What is
RV & Camper Insurance
At Danilovic Agency, we understand that your recreational vehicle isn’t just a mode of transportation — it’s your home away from home. Whether you’re taking a weekend getaway, exploring Arizona’s scenic routes, or living the RV lifestyle full-time, having the right insurance ensures that you, your passengers, and your belongings are protected from the unexpected.
What Does RV & Camper Insurance Cover?
A comprehensive RV insurance policy can protect you against a wide range of risks, giving you confidence on the road:
- Collision Coverage – Pays for damage to your RV from a crash, whether with another vehicle or object, regardless of fault.
- Comprehensive Coverage – Protects against non-collision events such as theft, fire, storms, vandalism, or falling objects.
- Liability Protection – Covers bodily injury and property damage to others if you’re at fault, including medical payments and uninsured motorist protection as required by state law.
- Medical Expense Coverage – Helps cover medical bills for you and your passengers after an accident, no matter who is at fault.
- Personal Property Coverage – Protects your RV’s contents, including electronics, camping gear, and clothing, from theft or damage.
- Customization Coverage – Covers upgrades like solar panels, satellite equipment, awnings, or other custom additions.
- Limited Pet Coverage – Ensures your furry friends are protected with vet bill reimbursement if injured during a covered incident.
- Vacation Expense Allowance – Reimburses lodging, meals, and travel expenses if your RV becomes uninhabitable due to a covered claim while on vacation.
Optional Coverage for Extra Protection
- Uninsured/Underinsured Motorist Coverage – Protects you if another driver causes an accident but lacks adequate insurance.
- Diminishing Deductible – Rewards safe RV ownership by reducing your deductible for every claim-free year.
- Emergency Roadside Service – 24/7 assistance for towing, flat tires, fuel delivery, lockouts, and more, wherever your adventure takes you.
Do You Have Enough Coverage?
Arizona requires every driver to carry a minimum level of auto insurance, but in many cases those limits aren’t enough to fully protect you. Medical bills, lawsuits, or repair costs can quickly exceed the state minimums, leaving you personally responsible for the difference.
At Danilovic Agency, we go beyond the basics — helping you meet state requirements while also customizing a policy that truly fits your needs and budget.