RV Insurance 101: What Does RV Insurance Cover?

What is RV insurance and what does RV insurance cover?

RV insurance covers similar risks as auto insurance, with additional protection for personal belongings on board, equipment, etc. RV insurance policies often cover the following:

• Collision protection
• Comprehensive and liability coverage
• Total loss replacement
• Emergency expenses
• Roadside assistance
• Full-timer coverage if living in RV full time
• Uninsured and underinsured motorist coverage

What are the different classes of RV insurance?

Class A:  Includes models like luxury coach, converted bus, and motor coach. Up to 75’ long.

Class B: Smallest class; no cab-over and can include cargo van designs, travel trailers, and camper vans.

Class C: Includes vehicles that use standard cargo van to drive with camper portion extending over cab. Covers fifth wheel vehicles.

How much does it cost?

RV insurance coverage and costs vary depending on several factors. Class A is the most expensive, followed by Class C and then Class B. Your driving history impacts rates, as well as if you use the RV occasionally or live in it full time. You can set your own limits on the policy, which will affect the rates. Any additional riders or coverage added will also increase the rate incrementally.

Is RV insurance required?

Yes – it is required in every state. The requirement is a minimum amount of liability insurance plus uninsured/underinsured motorist coverage in some states. The following circumstances may experience additional requirements:

• Renting an RV
• Financing the purchase of an RV
• Living in your RV full time

RV insurance is important to cover the investment you’ve made in your motorhome. With large vehicles, you are more likely to experience damage to the vehicle or cause/sustain injuries. Contact The Resource Center to help you find the perfect policy for your traveling needs.

Content from: Safeco

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