Towing a 12,000-lb fifth wheel down I-80 carries real liability exposure. An umbrella policy adds a layer of protection above your auto, RV, and home limits — often for less than you'd expect.
A major towing accident, an injury at your campsite, or a liability claim tied to your home can add up to far more than a typical auto or homeowners policy covers on its own. An umbrella policy sits on top of your existing coverage and kicks in once those limits are used up — often in $1 million increments.
It's one of the more overlooked pieces of RV insurance, and one of the more affordable ones: umbrella policies are frequently priced in the hundreds of dollars per year, not thousands, especially when bundled with your other EVN policies.
Curious what extra protection could cost? We'll follow up as we expand into more states.
We'll reach out as soon as EVN Insurance Group is licensed and open for business.
Anyone who tows a heavy RV, hosts guests at their home or campsite, or simply wants a financial buffer above standard policy limits. It's especially common among full-timers and frequent towers.
Pricing varies by carrier and your existing coverage, but umbrella policies are often surprisingly affordable relative to the extra protection they provide — we'll show you exact numbers with a quote.
Most umbrella policies require your underlying auto and home (or RV) policies to carry certain minimum limits. We'll check that your existing policies qualify before recommending umbrella coverage.
A five-minute conversation tells you whether the extra protection is worth it for your situation.
