Virginia Recreational Vehicle (RV) Insurance
The value of good recreational vehicle insurance often doesn't become
apparent until you really need it. Whether it's a minor fender bender or a
more substantial accident, it pays to have insurance coverage you can
count on.
Let one of our experienced Virginia RV insurance policy
specialists explain the different Liability limits,
Comprehensive, Collision, Personal Injury Protection,
Uninsured Motorist, and Medical coverages, as well as
Full-Timer coverage, Vacation Liability coverage, Total
Lost Replacement Cost coverage for newer RV's, and
the deductibles that are available for you to choose
from. We offer affordable recreational vehicle (RV)
insurance policies from leading insurance companies
serving Virginia.
Learn more about Virginia RV Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for a
Virginia RV Insurance policy that will provide excellent RV insurance
coverage at an affordable cost. Or you can speak with one of our
Virginia RV Insurance agent specialists at (571) 261-2700 or (540)
465-5103 to discuss the features.
This coverage comes into play when an at-fault driver has RV, auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of RV insurance coverage pays for your medical expenses, lost wages, and
other damages when you or your passengers are injured in an accident caused by a
driver who has insufficient RV, auto or motorcycle insurance coverage. The RV
insurance coverage typically pays the difference between the coverage limit you select
and the other driver's bodily injury coverage limit. This is not a required Virginia RV
insurance coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your RV is damaged in an accident caused by a driver who has insufficient
insurance coverage. This coverage pays the difference between the coverage limit you
select and the other driver's property damage coverage limit. This is not a required RV
insurance coverage in Virginia.
Virginia RV Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Virginia RV Insurance
policy that will provide excellent insurance coverage at an affordable cost. Or you can
speak with one of our Virginia RV Insurance agent specialists at (571) 261-2700 or
(540) 465-5103 to discuss the features.
Covers damage caused to the insured's RV (your RV) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the RV insurance
policy pays. The higher the deductible chosen the lower the comprehensive coverage
cost within the Virginia recreational vehicle insurance policy.
Covers damage caused to the owners RV from a collision caused by another auto,
RV, or other object. The deductible is the amount you choose to pay upfront (if any)
before the RV insurance policy pays. The higher the deductible chosen the lower the
collision coverage cost within the Virginia RV insurance policy.
Virginia RV Insurance Policy FAQ
Virginia RV Insurance Policy FAQ
Virginia RV Insurance Policy FAQ
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an RV
insurance policy. The minimum liability insurance coverage available for purchase in
Virginia is 25/50 and is explained in detail below. However, we recommend that you
choose liability insurance coverage amounts that are higher than the minimums set by
the state of Virginia and are listed below. Contact us at (571) 261-2700 or (540) 465-
5103 to discuss what liability coverage amounts you require to meet your family and
personal needs.
Virginia Liability Coverage limits explanation:
25/50/20 25=$25,000 - 50=$50,000 - 20=$20,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, RV, car, truck, fence, or house, is covered through property damage RV
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum coverage amount in Virginia is $20,000.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings,
neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury suffered
in an accident.

$5,000 death benefit
Virginia RV Insurance Policy FAQ
Virginia RV Insurance Policy FAQ
Virginia does not require (PIP) or personal injury protection coverage. This coverage
pays medical bills for injuries suffered in an auto accident regardless of who caused
the accident.
Medical payments coverage pays for the medical and funeral expenses for you or others
hurt or killed in an accident while riding in or driving your RV. Claims against this coverage
include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing,
prosthetic, and funeral expenses. It will also cover you or members of your family if you
are hit by a RV when you are walking or if you are riding in another RV. This coverage will
pay for your medical and funeral expenses even if you cause the accident. The coverage
is often limited to medical care you get in the first one, two, or three years after the
accident and is limited to a specific dollar amount. This is not a required Virginia
recreational vehicle (RV) Insurance coverage.
Virginia RV Insurance Policy FAQ
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-
fault driver who has no auto liability insurance. This coverage is required for Virginia RV
Insurance. Contact us at (571) 261-2700 or (540) 465-5103 to discuss what uninsured
coverage amounts you require to meet your family and personal needs.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.
Virginia RV Insurance
Superior Service with an Independent Price
STOVER
Virginia RV Insurance
INSURANCE AGENCY
Stover Insurance Agency, Inc.
Copyright 2007-2008 - All rights reserved
Stover Insurance Agency
6611 Jefferson St., #303
Haymarket, Virginia 20169
Prince William County, VA
Office: 571-261-2700
Fax: 571-261-2720
Answer a few questions and we
will provide you with an
insurance quote by phone or
email. Choose the Virginia
personal or business insurance
coverage you're interested in
from the menu above.
Stover Insurance Agency
157 N. Holliday St.
Strasburg, Virginia 22657
Shenandoah County, VA
Office: 540-465-5103
Fax: 540-465-3291
RV Insurance
Virginia
Personal Insurance
We are a local northern Virginia insurance agency offering affordable Virginia RV
insurance policy premiums to residents of the following cities and counties:
Haymarket, Strasburg, Gainesville, Bull Run, Catharpin, Manassas, Sudley Springs,
Broad Run, Centreville, New Baltimore, Bristow, The Plains, Nokesville, Warrenton,
Bethel, Old Tavern, Marshall, Rectortown, Orlean, Casanova, Catlett, Halfway,
Middleburg, Chantilly, Arcola, Aldie, Manassas Park, Vienna, Fairfax, Tysons Corner,
Arlington, Springfield, Alexandria, Annandale, Lorton, Dale City, Reston, Herndon,
Sterling, McLean, Fairfax Station, Oakton, Fisgers Hill, Zepp, Reliance, Limeton,
Middletown, Toms Brook, Maurertown, Lebanon Church, Front Royal, Stephens City,
Mountain Falls, Mount Olive, Star Tannery, Woodstock, Edinburg, Detrick,
Bentonville, Browntown, Linden, Chester Gap, Huntly, Markham, Cedarville, Armel,
White Post, Nineveh, Boyce, Millwood, Winchester, Berryville, Albin, Prince William
County, Loudoun County, Fairfax County, Fauquier County, Warren County,
Frederick County, Clarke County, and Shenandoah County, VA.