FAQs

No. A house car is a passenger vehicle under Vehicle Code section 465 and carries the same minimum liability as a car. That is $30,000 per person, $60,000 per ...

A valuation method, not a payout promise. The policy is built to settle a covered total loss at the figure agreed at binding, less the deductible and subject to ...

Towing liability generally follows the truck, but damage to the fifth-wheel and its contents usually needs a separate policy.

Yes, if you live in it, full-timer options may add home-like liability and related protections.

The state does not generally require it, though lenders often do on a financed unit, and full-timers may want broader protection.

A fifth-wheel connects to a jaw hitch in a pickup bed and is generally larger, while a travel trailer uses a rear bumper or frame hitch. That affects towing, ...

A policy can include liability while the trailer is set up at a campsite, which your auto policy may not provide.

Yes, full-timer considerations may apply if the trailer is your residence rather than recreational.

The state does not generally require it, though lenders often do on a financed trailer.

On eligible newer RVs, it may replace a totaled unit with a comparable new one rather than paying depreciated value. Terms vary.