RV Insurance Built for the Road Ahead
Your RV isn’t just a vehicle — it’s freedom, adventure, and investment all in one. Make sure it’s protected the right way.
Horton Insurance Agency, Inc. will help you secure the right RV coverage at a competitive price — without cutting corners on protection.
Call 619-465-9100 today or request your free online quote to get started.
What to Look for in RV Insurance
Designed for Real Travel
Personal-use RVs can typically be insured for up to 250 days per year — giving you the flexibility to head south for the winter or take that extended cross-country trip with confidence.
Strong Liability Protection
Liability coverage can include:
Bodily injury
Property damage
Medical payments
Uninsured/underinsured motorist coverage
Coverage options vary by state, and we make sure you’re protected where it counts.
Total Loss Settlement Options
If your RV is declared a total loss, you may be able to choose how it’s settled:
Stated Value – Based on market value (actual cash value)
Agreed Value – Pays the insured amount, regardless of depreciation
Replacement Cost – Replaces your RV with a new, comparable model
We’ll help you select the option that protects your investment properly.
Vacation Liability Coverage
When your RV becomes your temporary residence, vacation liability coverage steps in. Some policies can even extend physical damage protection into Mexico.
Personal Effects Coverage
Protects personal belongings used with your RV at replacement cost when physical damage coverage is selected.
24/7 Roadside Assistance
Breakdowns don’t run on a schedule. Many policies include 24/7 roadside assistance — and some allow upgrades for lodging, transportation, and meal expenses if you’re stranded.
Claims Support When You Need It
The insurance companies we work with offer skilled, responsive claims teams focused on getting you repaired and back on the road quickly.
Valuable Add-Ons
Additional coverage options may include:
Accident forgiveness
Pet coverage
Diminishing deductibles
And more
Discounts That Work for You
You may qualify for:
Safe driver discounts
Original owner discounts
Package discounts
Multi-policy discounts
Bundling your RV with your home, auto, motorcycle, classic car, or boat coverage can lower your premium — and simplify your insurance.
Horton Insurance Agency, Inc. is independently owned and locally operated — which means we work for you, not one insurance company.
We compare options. We explain your coverage. We protect your investment.
Call 619-465-9100 today and get your RV covered with confidence.
