Recreational Vehicle Insurance

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.

The classes of RV include:

Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long.

Class B: This is the smallest class of recreational vehicles. These vehicles do not have a cab-over, and can also include cargo van type designs, travel trailers and camper vans.

Class C: This group includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.

To find the right RV coverage for your motorhome or camper, contact us

What Does RV Insurance Cover?

RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes. Depending on the insurance company you choose, your additional coverage options may include:

  • Total loss replacement coverage
  • Campsite and vacation coverage
  • Emergency expenses
  • Towing and roadside coverage
  • Full-timer coverage if your RV is your full time residence
  • Uninsured and underinsured motorists coverage

Why Is RV Insurance Important?

RV insurance is an important coverage because of the large investment you’ve made in your motorhome. It is also important because these are large vehicles that can cause major injuries and significant damage to other vehicles and property in an accident.

Consider also that if you buy a new RV costing anywhere from $30,000 to over $200,000 and haven’t purchased full replacement cost coverage, you can be saddled with significant costs if it is totaled in an accident.

Is RV Insurance Required?

Like car insurance, RV insurance is required in every state. All states require a minimum amount of liability insurance; in addition, some require uninsured and underinsured motorists coverage. Collision and comprehensive insurance limits are determined by you, the consumer. Be sure to consider how you will cover your costs if you are in an accident and do not have adequate coverage.

Under the following circumstances, you will experience additional requirements:

  • If you rent an RV
  • If you live in your RV full time – in this case, you will need full-timers insurance which has some similarities to homeowners insurance
  • If you finance the purchase of an RV – when you borrow money to buy your motorhome, your lender will most likely require you to buy RV coverage before your financing can be approved

For more information or to speak with an insurance agent, please contact us by clicking here