Everything You Need to Know About RV Insurance

by Travis Etheridge

Looking for new ways to explore the outdoors this summer with your family? Many families have set their sights on RV road trips which provide all-in-one transportation and lodging. If you have an RV or are considering buying one, here are some helpful tips to make sure your insurance needs are fully covered.

Recreational vehicle, most recognized by the abbreviation- RV, is a class of vehicles: motorhomes, camper vans, and bus conversions, organized by classes: Class A, B, and C. This post is all about insurance coverage for recreational vehicles, because RV’s need insurance coverage.

Let’s start by addressing costs. RV insurance coverage varies by a few factors that an insurance agent can help you address. RV insurance is similar to car insurance. RV insurance is required in all states and requires a minimum amount of liability insurance.

RV Overview

RV class types:

Class A: luxury coach, converted bus, and motorcoach. These RV’s can be up to 75 feet long.
Class B: the smallest class of RV’s. These have no cab-over: cargo vans, travel trailers, and camper vans.
Class C: vehicles that use a standard cargo van as the driving portion of the RV and attach a camper that extends over the cab area. This class covers fifth wheels.

RV Insurance Coverage Types

Emergency expenses
Towing and roadside coverage
Full-time coverage if your RV is your full-time residence
Uninsured and underinsured motorists’ coverage
Liability- just like a regular vehicle. This covers at-fault accident- property damage and medical (varies by state).
Personal belongings coverage
On-board equipment
Attached accessories
Total loss replacement coverage
Campsite and vacation coverage

Examples of RV Accidents and Coverage

The RV owner is the at-fault party in an accident, the other driver will file a claim with the RV owners’ insurance company. The insurance company will pay the claim up to the limits of the liability policy. The kinds of expenses covered are cost of damages, injuries, and legal fees, to name a few.
The RV is damaged to the point of it being non-drivable after a crash and has to be towed, the insurance company will cover most, if not all the costs associated.
The RV is stolen, an animal causes damage, or it is damaged in a hail storm, comprehensive coverage would provide coverage for those incidents (the amounts over the deductible amount).
An uninsured driver collides with the RV, the RV owners’ insurance company, will pay for the damages to make the RV owner whole again. The amount of coverage provided depends on the amount of damage, the deductible amount, and the coverage limits set on the policy.

In closing; coverage requirements and costs depend on a few things:

The class of your vehicle
How much you use it
Whether you live in it full time

To find the right RV coverage for your motorhome or camper, contact an insurance agent. They will help with several price quotes and price comparisons. RV owners definitely want to insure their RV.

RV insurance coverage protects the recreational vehicle owner, from out of pocket expenses in the event of an accident or loss. The most important- liability coverage such as property damage and bodily injury. Contact an agent today.