When you’re heading out on the open road in your RV, your insurance is one of the most important things to consider. RVs are more than just vehicles. They are homes on wheels. They carry your personal items, your dreams of adventure, and your plans for the future. That’s why choosing the right insurance is so important.
Wawanesa is a trusted name in the insurance world. Many people know them for car insurance, but they also offer RV insurance. If you’re thinking about Wawanesa for your RV coverage, this article will help you understand what they offer, how it works, and whether it’s a good choice for you.
Let’s dive in.
What Kind of RVs Does Wawanesa Cover?
Wawanesa covers several types of recreational vehicles. This includes:
Class A motorhomes (the big, bus-style RVs)
Class B motorhomes (smaller, van-style RVs)
Class C motorhomes (a mid-size option with a cab-over design)
Travel trailers
Fifth-wheel trailers
Camper vans
Pop-up campers
If you own a vehicle that you live or travel in for fun, there’s a good chance Wawanesa can cover it. However, coverage can vary depending on where you live, the size of your RV, and how often you use it.
What Does Wawanesa RV Insurance Cover?
Wawanesa offers several types of coverage for RV owners. Let’s break them down in a simple way:
1. Liability Coverage
This is required by law. It covers damage or injury you cause to other people or property while driving your RV. For example, if you hit another car or damage someone’s fence, this helps pay for the repairs.
2. Collision Coverage
This helps pay for damage to your RV if you hit another vehicle or object. Whether it’s a tree, a guardrail, or another car, this coverage helps fix your RV.
3. Comprehensive Coverage
This pays for damage not caused by a crash. Things like fire, theft, vandalism, hail, or even a falling tree branch are covered under comprehensive.
4. Uninsured/Underinsured Motorist Coverage
If someone hits you and doesn’t have enough insurance (or none at all), this coverage helps pay for your medical bills or damages.
5. Personal Injury Protection (PIP) or Medical Payments
This helps cover medical expenses if you or your passengers are injured in an accident, no matter who was at fault.
6. Vacation Liability
This coverage is useful when your RV is parked and being used as a temporary residence. If someone gets hurt while visiting your RV, this can help pay their medical bills or legal costs.
7. Personal Belongings Coverage
This helps replace items inside your RV, like clothes, electronics, kitchen items, and more, if they’re damaged or stolen.
8. Emergency Expenses Coverage
If your RV breaks down or is in an accident and you’re far from home, this helps with costs like hotel stays, meals, and transportation while your RV is being repaired.
What’s Not Covered?
It’s important to know what’s not included too. Wawanesa RV insurance usually does not cover:
Normal wear and tear
Mechanical or electrical breakdowns
Damage from insects or animals (unless caused by an accident)
Full-time RV living (unless you have specific coverage for that)
Always read the policy carefully and ask questions. Not all policies are the same, and some things might be excluded based on your location or RV type.
Does Wawanesa Offer Any Discounts?
Yes, Wawanesa is known for offering fair rates and discounts. Here are a few common ones:
Multi-policy discount: If you also have auto or home insurance with Wawanesa.
Good driver discount: If you have a clean driving record.
Loyalty discount: If you’ve been a customer for a long time.
Anti-theft discount: If your RV has an approved anti-theft device.
Mature driver discount: For experienced drivers over a certain age.
Discounts may vary by state, so it’s always a good idea to call and ask what you qualify for.
How Much Does Wawanesa RV Insurance Cost?
The cost of RV insurance depends on several things:
Type and size of RV
Your driving history
Where you live
How often you use the RV
The coverage limits and deductibles you choose
On average, RV insurance can cost anywhere from $500 to over $2,000 per year. Smaller RVs and trailers are often cheaper to insure than large Class A motorhomes.
Wawanesa is known for offering competitive prices, especially for safe drivers and long-term customers. It’s a good idea to get a quote directly from them to see how their rates compare.
Is Wawanesa a Good Choice for Full-Time RVers?
Wawanesa mainly focuses on part-time or recreational RV use. If you live in your RV full-time, you might need more specialized coverage. Full-time RV insurance includes things like:
Full-time liability (like homeowners insurance)
Higher personal property coverage
Additional living expenses
Mail forwarding coverage
More medical protection
Wawanesa might not offer all of these options. If you’re a full-timer, be sure to ask specifically about coverage for full-time living. If they don’t offer it, you might need to look at other companies like National General, Progressive, or Foremost.
How Easy Is It to File a Claim with Wawanesa?
Wawanesa has a solid reputation for customer service. They offer:
24/7 claims reporting
A simple phone claims process
Support from licensed agents
Quick follow-ups and claim updates
Customers often praise Wawanesa for being helpful and fair during the claims process. They don’t always offer online claims, but their phone support is fast and friendly.
How Do You Get a Quote?
Getting a quote from Wawanesa is easy:
Go to their website or call their customer service number.
Have your RV information ready (make, model, year, VIN).
Share your driving history and how you use the RV.
Choose your coverage limits and deductibles.
You’ll get a quote that reflects your details. You can adjust coverage levels to see how it changes the price. Make sure to ask about discounts and bundling options.
What Do Real Customers Say About Wawanesa?
Most Wawanesa customers are very loyal. The company is known for:
Great rates for safe drivers
Friendly customer service
Simple claims process
No-nonsense policies
However, there are a few downsides mentioned in reviews:
Limited online tools (most communication is by phone)
Not available in all states
May not be ideal for full-time RVers
If you live in a state where Wawanesa operates and you’re a part-time RVer, it’s a solid option to consider.
Is Wawanesa Available in Every State?
No, Wawanesa is not available in every U.S. state. They mainly serve:
California
Oregon
If you live outside these areas, you won’t be able to get a Wawanesa policy. This is something to keep in mind if you plan to travel a lot or move soon.
Conclusion
Wawanesa RV insurance is a good fit if:
You live in California or Oregon
You only use your RV for vacations or part-time travel
You have a clean driving record
You want a simple, affordable policy
You like working with agents over the phone
It might not be the best choice if you:
Live full-time in your RV
Want to manage your policy mostly online
Travel widely across the U.S.
Need lots of customization
The best way to know for sure? Get a quote. Compare it with other insurance providers. Think about how often you use your RV, where you go, and what kind of protection you need. Then choose the one that makes you feel safe and secure behind the wheel.
Related topic:
What Car Insurance Is The Cheapest
