RV Insurance in La Mesa, CA

Flexible protection for your motorhome, camper, or travel trailer.

Coverage for Every Adventure—From San Diego to the Sierra Nevadas

Whether you’re a weekend road tripper or a full-time RVer, your recreational vehicle is more than a mode of transportation—it’s your home on wheels. That’s why RV insurance needs to go beyond basic auto coverage. At Colston Insurance Agency, we help RV owners throughout La Mesa, Ramona, and across San Diego County protect their rigs with custom policies designed for travel, living, and storage. Whether you drive a Class A motorhome or tow a lightweight travel trailer, we’ll help you find the right mix of coverage and savings.

What Does RV Insurance Cover?

RV insurance policies combine the essentials of auto and homeowners insurance to provide all-around protection for your rig, your gear, and your liability.

Liability Insurance

Required in California, this protects you if you cause injuries or property damage while driving your RV.

Comprehensive & Collision

Pays to repair or replace your RV if it’s damaged in an accident, vandalized, stolen, or hit by falling objects or severe weather.

Personal Belongings & Equipment

Covers the valuables inside your RV—like electronics, cookware, tools, and outdoor gear—if they’re stolen or damaged.

A row of houses with trees in front of them

Additional Coverages for Full-Timers and Weekend Warriors

Not all RVers are the same. Whether you store your RV in Ramona or live in it full-time on the road, we help you tailor your policy to how you actually use your vehicle.


Popular policy enhancements include:



  • Vacation liability insurance for when your RV is parked at a campsite
  • Full-timer coverage for permanent RV living
  • Roadside assistance and towing reimbursement
  • Emergency expense and trip interruption coverage
  • Total loss replacement or agreed value for new or custom RVs

We’ll make sure your policy keeps up—whether you’re headed to Anza-Borrego or parking at a full-hookup site in Mission Bay.

What Impacts the Cost of RV Insurance in California?

RV insurance rates depend on several factors—where you live, how often you use your RV, and what type of vehicle you own. Motorhomes generally cost more to insure than travel trailers, and full-timers have different needs than seasonal campers.



If you live in a high-risk fire zone in East County or store your RV in a high-theft area, your premiums may be higher. But you can reduce costs by bundling with home or auto insurance, taking RV safety courses, or installing anti-theft devices and battery disconnects. Whether your rig is parked in La Mesa or rolling through the desert, we help you protect it without overpaying.


A personalized RV insurance quote can save you hundreds per year.

A beach with flowers and a cliff overlooking the ocean at sunset.

Work With a Local RV Insurance Specialist

From storing your RV on your property to navigating the winding roads of Julian, we understand the lifestyle and risks of RV ownership in Southern California. Colston Insurance is based in La Mesa and Ramona, and we work with leading RV insurance carriers across California to get you reliable coverage that travels with you. Whether you own a pop-up camper or a luxury motor coach, we help you get insured, stay compliant, and travel with confidence.


You bring the RV—we’ll bring the protection.

RV Insurance FAQs

  • Is RV insurance required in California?

    If your RV is drivable (like a motorhome), you’re legally required to carry liability insurance in California. Towable trailers may not require insurance, but coverage is strongly recommended to protect your investment.

  • Does my auto insurance cover my RV?

    Not fully. While some auto policies may extend partial coverage to small trailers, most won’t provide enough protection for your RV, its contents, or liability at a campsite. Dedicated RV insurance is always the safer choice.

  • Can I insure my RV year-round if I only use it seasonally?

    Yes. Many policies offer flexible plans for part-time RVers. You can reduce certain coverages when the vehicle is in storage, but keep comprehensive protection active in case of theft, fire, or vandalism.

  • What’s the difference between full-timer RV insurance and standard coverage?

    Full-timer policies are designed for people who live in their RVs as their primary residence. These plans offer added liability protection, personal belongings coverage, and living expense reimbursements that regular policies may not include.

  • Will RV insurance cover my personal belongings and attachments?

    Yes—with the right endorsements. We can help you add coverage for TVs, satellite dishes, generators, and high-value gear. If you live in your RV or carry a lot of personal property, this coverage is crucial.

Planning to insure other vehicles too? Check out our Auto Insurance, Motorcycle Insurance, or Boat Insurance pages. You can also explore all vehicle options at our Auto & Vehicle Insurance hub. Ready to hit the road with peace of mind? Contact us today for a personalized RV insurance quote in La Mesa or anywhere across Southern California.