First in Protecting, Your Open Road.
The open road is calling. Whether you are heading to the coast or traveling the Great Plains, be prepared with insurance coverage for your motorhome. What motorhome or RV insurance is right for you? The answer depends on the type of RV you own.
RV and Motorhome Types
- Class A Motorhomes: largest RVs on the road – a home on wheels
- Class B Motorhomes: The small RVs – a van with amenities
- Class C Motorhomes: Midsize models, sometimes called mini-motorhomes
- Motorhome Bus Conversion: A bus converted to an RV
- Travel Trailers: Towable motorhomes typically attached by trailer hitch
- Fifth Wheels: Towable motorhomes attached to a truck with a fifth wheel hitch
- Truck Campers: Add-on campers attached to a truck bed
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What Does RV Insurance Cover?
RV insurance (also known as motorhome insurance) covers the cost of repairing or replacing your vehicle after an accident. Liability coverage is required in most states and covers property damage, medical costs and legal fees if you cause an accident. Several states also require uninsured/underinsured motorists coverage. This coverage insures you in the event that you are hit by a driver who does not have insurance, or does not have enough to pay for your damages.
When you are preparing to buy an insurance policy, the types of insurance and amounts you need should be based on how you use your motorhome. If the vehicle serves as your residence full time, you will need greater coverage than if you only occasionally use it for a trip or two during the summer. For example, as a full-timer, you will need liability coverage that is similar to your homeowners insurance to cover you if someone is injured on your “property” (which in this case is on wheels).
Full-timers who keep all of their belongings in their motorhome should also consider personal property coverage. Just as you would want your home policy to include coverage for your belongings, valuables, jewelry and collectibles, your RV insurance policy should include that too.
On the other hand, if you only use the RV seasonally, you will need to consider how to insure it when it is not in use. How you store your motorhome will make a difference for your insurance needs, depending on the climate, weather hazards, and risk of theft and vandalism where you live.
- Store your RV in a contained carport or garage
- Install an anti-theft device
- Be a safe driver and maintain an accident-free driving record
Take Safe Driving Courses
Many community colleges and local DMV stations offer courses on driver safety. These classes are a great way to update your knowledge as a motorist. They can also be a way to save money; several insurance providers offer lower costs on motorhome insurance for completing a driver safety course.
What is RV 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.