Summer is always a great time to hit the road for a family getaway. It could be a week camping around the state or it could be a couple of weeks traveling the country to see family and friends. It could be spending the whole summer experiencing as many of our nation’s national parks as possible. Or maybe, you’ve finally retired and you’re ready to sell your house and live on the road permanently, going wherever your heart desires. In any of these situations, you just might have a desire for an RV.
Recreational vehicles, or RVs, are sort of like a snowflake in that every one of them is different and has a different owner. That simply means that there is no “one size fits all” Rhode Island RV insurance policy for every vehicle and every family.
There are many different types of RVs, and each has different features. There's sure to be an RV that fits your family.
- Class A Motorhomes: These vehicles have all the luxuries of home, and some even sell their primary residence and travel the country in their Class A motorhome. They are usually a large investment, since they are 40 feet long and can cost up to $200,000.
- Class B Campervan: Campervans are considered Class B recreational vehicles, which are the most affordable type of RV to insure. These vehicles typically have an extension or raised roof, a small kitchen/kitchenette, sleeping accommodations, a 110 volt battery hookup, and a toilet. They can range from 16 to 21 feet in length, and can accommodate 2 to 4 sleepers.
- Class C Motorhome: Class C motorhomes are quainter, but still sleep 8 people. Most Class C motorhomes come equipped with a kitchen and bathroom, along with extra sleeping areas on top of the vehicle's cab.
- Bus Conversion: A bus conversion is just that: converting a commercial bus or school bus into a recreational vehicle. Converting a bus into an RV requires seat removal, amongst other changes, in order to add living, sleeping and cooking amenities as well as a bathroom. To meet the requirements to be considered a bus conversion, the vehicle must have a refrigeration appliance, bathroom facilities, heating and air conditioning, cooking appliances, drinkable water supply, and a 110 to 125-volt power supply.
- Travel Trailer:Travel trailers come in a variety of different models that can be equipped with very basic accommodations or elaborate living quarters. Some travel trailers are very small and are used only for storage, while others may contain a small sleeping area or include more amenities such as a kitchen area and bathroom facilities. They can even have laundry appliances. The sleeping capacity of these trailers can also vary considerably. Some travel trailers can be folded or expanded into another level when they are parked.
- Fifth Wheel Trailer: A fifth wheel trailer is usually 21 to 38 feet in length and while they are very similar to other conventional makes, these RV’s have a raised forward section located above a fifth wheel device. A fifth wheel has a specialized coupling device which is situated on the bed of a pick-up truck.They have a large living area which includes appliances and facilities for sleeping, cooking and bathing.
- Toy Hauler: What makes a toy trailer stand out from other RV trailers is that they have a fold down ramp in the rear of the trailer so you can easily load and unload your small vehicles and equipment. These are very sturdy trailers that usually include a diamond plate lining and come with tie downs to secure your cargo. A toy trailer is used to haul your ATV, dirt bike, motorcycle or snowmobile. A toy trailer can be similar in size to a 23 foot camper or as long as a 40 foot fifth wheel. These trailers can also have amenities similar to what you might find in a motorhome, such as a king size bed, a full size bathroom, a full screen satellite TV and kitchen facilities.
- Truck Camper: A truck camper is a temporary camping unit which is mounted onto the bed of a pick-up truck, converting your truck into a recreational vehicle. Campers generally range from 18 to 21 feet in length and are compact enough that they can be used in most camping and outdoor situations. Truck campers can sleep up to 6 people.
- Tent Trailer: A typical tent trailer is usually 12 feet or smaller in length when closed, but can open up to between 15 and 23 feet. They come with collapsible walls, making them easy to set up. A tent trailer can typically sleep up to 8 people. The more expensive models can also come with a refrigerator and a stove. They are hitched to a vehicle and towed as a trailer, then set up as an off-the-ground tent at the camp site.
Once you figure out which vehicle is best for your situation, having insurance will protect your investment.
Vehicle Crash Death Cost in 2011 for Rhode Island
- Vehicle-crash deaths in Rhode Island cost $78 million, or $72 per person living in the state.
- Adults ages 20-64 accounted for 77% of the total death costs.
- Medical bills accounted for just $1 million of the Rhode Island death cost.
Rhode Island RV Insurance Explained
Rhode Island RV insurance can look very different to account for the various vehicles, but all policies operate in pretty much the same way. Whether it’s a Class A motorhome, camper van, fifth wheel, or a travel trailer or bus conversion, RV insurance is available to protect your house on wheels along with your assets in case of loss or damage. Virtually any vehicle that has some form of living quarters can qualify for an RV insurance policy.
What RV Insurance Covers
Rhode Island RV insurance, in much the same way as auto insurance, provides coverage for you and your assets in case of loss, damage or injury as a result of an accident. Many of the basic coverages are similar, including:
- Liability, property and personal injury
- Underinsured/uninsured motorist
- Medical payments
You may also find other optional coverages for accessories in your vehicle, roadside and towing assistance in case you break down, and full-timer’s coverage for those who live in their RVs.
The Cost of RV Insurance And Getting Quotes
As varied as RVs and their insurance policies are, Rhode Island motorhome insurance quotes can vary greatly. There are many factors that determine a quality quote. Not only does the size and type of RV matter, other factors to consider are:
- Your age, gender and driving record
- RV use year-round or part-time
- The zip code in which the RV will be parked
- The coverages you elect to have
- The value of the RV and contents
- The age of the RV
Contacting your local Trusted Choice® member agent and answering these questions help you get quality Rhode Island motorhome insurance quotes from many reputable companies. Then, you can do side-by-side comparisons to find the policy that fits your needs and budget.
RVs can enhance the fun to a summer vacation. But assuming risk of a loss while on the road can add stress to a getaway. Enjoy your vacation and be relaxed physically and mentally with the right RV insurance policy for your family and your financial life.