Recreational Vehicle Insurance in Sumter, SC
From weekend camping trips to cross-country adventures, your RV opens up a world of possibilities. At Gamecock Insurance Agency, we understand that insuring a recreational vehicle requires specialized coverage beyond standard auto insurance—after all, your RV isn’t just a vehicle; it’s a home on wheels.
What Is RV Insurance and What Does It Cover? 
Recreational vehicle insurance is designed to offer financial support for the unique risks RV owners face. A standard RV insurance policy may include several essential coverages:
- Total loss replacement may help replace your RV if it’s destroyed in a covered incident.
- Personal effects coverage may assist in replacing belongings kept in your RV if they’re damaged or stolen.
- Full-timer coverage may offer extended liability and personal property coverage if you live in your RV full-time.
- Emergency expense coverage may help with temporary lodging if your RV becomes uninhabitable.
- Campsite liability coverage may offer support if someone is injured around your parked RV.
Is an RV Covered Under Auto Insurance?
While your auto insurance might offer basic liability coverage for your RV, it typically falls short of addressing the unique aspects of recreational vehicle ownership. Let’s examine why specialized RV coverage matters.
Standard auto policies don’t account for RV-specific features like built-in appliances, living quarters or personal belongings stored inside. Additionally, auto insurance may not cover incidents that occur while your RV is being used as a temporary residence at a campsite. RV insurance fills these crucial gaps, offering coverage tailored to how you use your recreational vehicle.
Start Your Journey With Us
Contact Gamecock Insurance Agency for RV coverage that fits your travel style. Our Sumter team understands South Carolina‘s specific insurance requirements and can help you find the right balance of coverage and cost. Visit our office or call today—let’s ensure your adventures stay worry-free.