RV Insurance

RV Standard Coverage
Comprehensive

This coverage will cover your RV for events beyond your control: theft, vandalism, fire, glass breakage, and weather-related incidents.

Collision

This coverage will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible will apply.

Liability

This coverage will pay for any damages and/or injuries you cause.

Uninsured/Underinsured Motorist

If you’re hit by a motorist with no insurance or not enough insurance, this coverage can help pay for your injuries, damages to your RV, and lost wages if you can’t work.

Medical Payments

If you’re in an accident, regardless of who is at fault, this coverage will pay for you and your passengers medical bills.

Additional Coverage
Roadside Assistance

If your RV is damaged or disabled, roadside assistance will tow you to the nearest qualified repair facility at no additional cost.

Trip Interruption

Bundled with roadside assistance, trip interruption will help pay for food and/or lodging expenses if you’re stranded away from home.

Total Loss Replacement

If your motor-home is totaled in an accident, this coverage will pay for a brand new one. A deductible will apply.

Replacement Cost/ Personal Effects

This coverage helps pay for the cost of personal items in your RV if the item is incapable of being repaired; such as camera equipment, sunglasses, phones, etc.

Vacation Liability

This coverage provides liability coverage up to a specified limit if someone is hurt in or around your RV while you’re on vacation.

Full Timer’s Liability

Full timer’s liability is meant for those who use their RV as a permanent residence. You’re covered up to a specified limit if you’re liable for injuries in and around your RV.

Emergency Expense Coverage

This coverage provides cash for transportation and hotel cost plus meals if you’re on vacation and your RV is disabled.

Pet Injury Coverage

If your dog or cat is injured in an accident while riding in your RV, this coverage will help pay for their vet bills.

RV Insurance Discounts
Multi-Policy

Save more money on your RV insurance if your home, car, boat, or motorcycle is insured with the same insurance provider.

Quote in Advance

Quote at least one day before your actual policy starts, and you’ll get a discount.

Original Owner

Be the original owner or a motor-home or travel trailer and collect a discount.

Pay in Full

Just pay your policy in full (all at once), and earn a discount.

Responsible Driver

If you’ve had no accidents or insurance claims within a specified period of time, you will qualify for a responsible drivers discount.

Prompt Payment

Save money by making payments on time.

Claim Free Renewal

If you have no claims in the duration of your policy, you will receive a discount when your policy renews.

Homeowners

Own a home, condo, townhouse, or duplex? You’ll receive a discount for being a homeowner.

Paperless

Choose to receive your insurance documents via email and earn a discount.

For more information about RV Insurance, call our office at (702) 330-3337, or send us an email at info@nis.vegas.

Frequently Asked Questions

RV insurance in Nevada includes many of the similar risk that an auto insurance policy does. Comprehensive, collision, and liability are all basic coverage included in your RV policy. Additional endorsements for personal property, equipment, and attached accessories can always be added to your policy.

Yes, RV insurance is required in the State of Nevada. If your RV is driven, Nevada State law requires you to carry the minimum levels of liability insurance: $15,000 for bodily injury or death to one person in any one accident, $30,000 for bodily injury or death to two or more persons in any one accident, $10,000 for injury to or destruction of property of others in any one accident.

Agreed Value: Property value that you and your insurer agree upon at the beginning of your policy period. If a loss occurs, your property will be assessed based on the agreed-upon value.

You can reduce your RV insurance in Nevada by optimizing the discounts available to you. If you’re not using your RV, you may be able to remove optional coverage that may not be necessary during storage season, such as substituting transportation with towing. For more information on how to save money on your RV insurance premium in Nevada, check out the discounts listed above.