Call Us Today:
877.766.2402

Why Get Recreational Vehicle Insurance

When you buy an RV, you are thinking about all the trips you’re going to be checking off your Bucket List, and all the fun you’ll have with family and friends. You know what we mean: planning road trips each weekend, taking off to the mountains on a holiday whim, setting off for the beach the minute the temps heat up… it’s many people’s vision for their future, and a total dream come true.

The last thing that’s on your mind is probably the serious side of owning one of these vehicles. But, accidents can happen when life is on the road. You should be prepared with recreational vehicle insurance.

Are You Required to Have RV Insurance?

The exact requirements vary by state, but in most cases, you will need to have liability coverage (just like with a car or truck) if your RV is an actual motorhome. You may also need it if you’re financing or renting your recreational vehicle.

If you drive your RV, which is a Class A or B vehicle, you’ll most likely need to have minimum liability coverage. If your vehicle is towed behind a truck or SUV (which makes it a Class C vehicle) you may not be required to carry any insurance at all. Your car insurance may cover you if your RV is a pop-up, a fifth wheel, or travel trailer. If an accident happens that is your fault, your car’s liability coverage will kick in.

When You’re Not Required to Have Recreational Vehicle Insurance

If you own your RV and tow it, you may not need recreational vehicle insurance. If you have an ATV or another vehicle that falls under this category and you keep it on your land, you may not be required to have any insurance. However, it doesn’t mean you shouldn’t purchase a policy. There might be times when you’ll be glad you had coverage even if it’s not required by law.

Many times, your vehicle may be sitting on your property for a good amount of time. So, although your vehicle may not be in use during the winter months, it’s still at a risk for damage. A tree limb could fall on it during a winter windstorm, or it could be damaged in a snowstorm or spring flood. Any unpredictable catastrophic event could happen that might result in a complete loss. You don’t want to pay out of pocket for repairs or replacement when an insurance policy would have covered the sum of the damage.

Consider the Need for Liability Coverage

Imagine this scenario: you and a friend are out riding your four-wheeler. Your friend is having a blast, and you laugh at their ambition and freedom as they veer off to take the vehicle up the road or along a trail by your house. Then, an accident occurs. Your friend is hurt on your four-wheeler. If you don’t have recreational vehicle coverage, you may be liable for the medical costs incurred with your friend’s injury.

Many people assume that their homeowner’s insurance policy will cover incidents like this one. In some cases, it might. But not if it happens off your property. Remember when you were laughing as your friend veered off to adventure on their own?

You don’t want to count on protection unless you know exactly how you’re covered and what restrictions and limitations apply.

If you don’t drive your recreational vehicle often you may be at a higher risk for an accident, as well. It can take some time to adjust to using one of these RVs safely and comfortably, which can put you in a dangerous situation. If it’s your first time travelling in your RV, or if you meet conditions you’ve never faced, you’re taking a risk. Don’t chance an accident without having the proper coverage in place:

  • Know what coverage is required by law
  • Know if another policy such as car insurance or homeowner’s insurance covers your vehicle and when
  • Know how much coverage you need for your recreational vehicle

Never underestimate the importance of recreational vehicle insurance to protect you and your assets.

Our Locations

*Bothell - Main Office

10308 NE 183rd ST
Bothell, WA 98011
Main office: 425-529-5128
Toll free: 877-766-2402
Fax: 425-968-9557

Lynnwood - William Frasz Agency

16521 13th Ave W, Suite 102
Lynnwood, WA 98037
Main office: 425-529-5228
Fax: 425-397-0411

Seattle

3002 South Mount Baker Blvd.
Seattle, WA 98144
Main office: 425-770-3620

Seattle - Vu Agency

754 Garfield St.
Seattle, WA 98109
Main office: 425-529-5053
Fax: 425-251-3916

Smokey Point

3710 168th St NE, Ste B-205
Arlington, WA 98223
Main office: 425-770-3620

Woodinville- Kaitlin C. Brown

17924 140th Ave NE #205
Woodinville, WA 98072
Main office: 425-610-9793
Fax: 425-806-8741

Our Providers

Testimonials

Thank you Anthony for the quick response and getting a good rate! I like my agent you rock!
Cameron Santos
“I am so grateful that I switched to ProStar. You saved me so much money and have amazing customer service!”
Julie Dennis, Shoreline WA
Really enjoyed getting the correct house and auto coverage from Prostar and saving some money to boot! It is nice to be able to work with a company of great guys where you can actually visit a brick-and-mortar office close to home. Dennis Richter Bothell
Dennis R.
Whenever I have a question the whole team there responds quickly. It gives me confidence that my auto and home policies are in good hands:)
Zach B.
We love knowing that we’re getting the best rates available AND we love the personalized attention to our insurance needs. Thank you ProStar!!
I had never actually taken the time to shop for insurance, and Brian did an incredible job. He answered all my questions and we were able to save money and increase our protection. I had no question that Brian was working extremely hard on our behalf and kept our best interests in mind. He was always quick to respond when I needed something and he was ready with a productive solution that fit our requests. I definitely recommend them to my friends and family
Tyson W.
The personal connection is always important to me and that is exactly what I got from Anthony at Prostar. It's great when the agent listens to your needs and works to find the policy that fits exactly for you. We have three cars, one an antique British roadster, and our house insured with Prostar companies and we have referred others to them. Couldn't be happier.
Mark H.
Great insurance for half what USAA was charging for the same insurance. USAA claims to be for the military, but they left my family stranded on the side of the I-5 in southern California and did nothing to get us taken care of.
Jacob B.
Attention to detail. Follow ups. Y'all follow thru. And y'all are personal.
Gerard B.
Your company made us feel wanted and your company always helps us when we call.
Norman R
You have a good charity. Your attitude represents humility, strength, honesty, and joy.
Sandra S.
It's nice to know that I have an Insurance Company that watches out for me and gives me the lowest rates. I, like many others, get quotes from other Insurance companies to see if I/ we could lower my/ our payments and from the quotes I received, you guys have the best rates. Thank you
Diana R.
Prostar agents provide the professional, friendly character one looks for. I've been with them for several years with a two year interruption while out of state. Upon return, we picked up right where we left off and still smooth sailing!
Robert L.
Super helpful. You are the subject matter expert that makes it to where I do not have to do a ton of research.
Matthew W.
Every website I tried to make an account with told me I didn't exist or that it couldn't verify my identity. I walked into prostar and had insurance 20 minutes later.
Fedor P
They are very easy to work with and explain each process clearly. They are very friendly and are always willing to help.
Tyler D.
ProStar is proactive. You contact us and review our insurance needs and rates. And you make recommendations to improve coverage and/or lower our rates. You make dealing with our insurance needs painless!
Phillip C.
I appreciate how quickly you responded to my inquiry about insurance and the fact that you texted instead of calling because I get nervous on the phone and feel that I can give more accurate information through text where there can’t really be as much miscommunication.
Jessica R
ProStar Insurance treated me as their valued customer, and my agent paid special attention to my needs throughout my wedding planning to make sure that nothing would go awry. I recommend their wedding insurance to all of my friends!
Sheila Anderson
Not only did an agent return my call the day-of, but the ProStar agent brought a detailed quote along with her. Before we even talked, she was in a position to help me with specifics.
Sam Tarque