Portland RV Insurance

Your RV and ATV are your tickets to freedom and fun! But before you hit the highway or trails in and around Portland make sure you’re protected so you can enjoy your adventures worry-free. Schmidt Insurance Group can provide you with the Portland RV insurance coverage you need.

Portland RV Insurance

Schmidt Insurance Group has proudly served the local Portland area as well as the entire states of Oregon and Washington since 2019. Our team consists of born-and-raised Oregonians who are specially trained in high-net-worth households and can help you find the exact amount of coverage you need on these and many other types of insurance policies.

What Does RV Insurance Cover?

RV / ATV insurance can protect you and your ATV, RV, motorhome, 5th wheel, or travel trailer in the event of loss, damage, an accident, injury, or theft. Coverages may include:

  • Liability: Liability coverage can help you pay for another person’s medical bills and loss of income or the costs to repair damage to their RV or ATV if you cause an accident.
  • Collision: Regardless of who is at fault, collision coverage can help pay to repair your damaged RV or ATV if you’re in an accident with another vehicle or an object, such as a fence. It also covers RV rollovers.
  • Comprehensive: This coverage can protect you in the event of non-collision damage, such as if your RV or ATV is stolen or damaged by fire, vandalism, falling objects, or hail, floods, and certain natural disasters.
  • Uninsured/underinsured motorist: This coverage can help cover your costs if another driver causes an accident but does not have liability insurance or lacks the money to pay for injuries and damages they cause to you, your passengers, or your RV or ATV.

Common Misconceptions about Insuring RVs

Unfortunately, many RV owners assume that their campers and motorhomes are automatically covered under their standard car insurance policies. However, RVs carry greater risks, more costly equipment, and valuable personal items as homes on wheels. So, that means that they really need to have a combination of auto and home insurance coverages.

While RV insurance is a relatively broad term, the different classes of motorhomes require differing levels of coverage. New and financed versions require higher insurance coverage minimums than those that are older and paid off. And the amount of time spent in the RV will dictate the level of coverage you require as well.

The bottom line here is that standard car insurance does not provide the amounts of liability and collision coverage you will need on an RV which is much larger than a car and can thereby cause greater damage. So, when picking out that insurance coverage, make sure that you think about all the possessions you have in your RV because your homeowner’s insurance will typically not cover these items if they aren’t at home.

When it comes to choosing the perfect amount of coverage for your RV, you can trust the experts at Schmidt Insurance Group. We specialize in high-net-worth clientele and their interests. We can definitely walk you through the process of picking the proper Portland based RV insurance for you and your budget.

If you live in Portland and enjoy your RV or ATV, you need the right insurance coverage to protect you in case something goes wrong. Schmidt Insurance Group can help you evaluate what coverage makes sense for your needs. Get in touch with us at (503) 506-4554 for more information.