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 an independent agent in the Trusted Choice® network. A local member agent can help you compare several different RV insurance quotes and find the right coverage for your needs.
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:
RV insurance protects you, as a recreational vehicle owner, from excessive out of pocket costs in the event of a loss or if you are at fault in an accident that causes bodily injury or property damage. It can also provide compensation for your costs if you have a roadside breakdown.
As an example of how RV insurance works, let’s consider some accidents or trouble you could encounter with your motorhome on a vacation. Your RV insurance would potentially cover you in the following ways:
The cost of RV insurance will vary widely, depending on several key factors:
As a reference point, a Class A RV may cost around $2,000 dollar a year or more to insure, while a Class B may fall somewhere in between $1,000 to $2,000 dollars.
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.
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:
The amount of RV insurance you need will depend on several factors, such as:
Additionally, the amount of RV coverage you need will depend upon the assets you want to protect in the event of a liability claim or lawsuit.
For help determining how much RV insurance you will need, contact an independent agent in the Trusted Choice network. An agent in your area can help you learn about the requirements in your state as well as the specific risks you may face.
RV insurance is available through insurance agents, who will underwrite your policy through an insurance company. If you work with an independent agent, you'll get the help you need to review several RV insurance quotes in one place.
Find a local independent agent in the Trusted Choice network today and find the right RV coverage that will protect you wherever you go.