Complete Guide to RV Insurance

RV Insurance

Different Types of Policies

The phrase RV Insurance is not limited to just RV or motorhome insurance. It includes: Class A, B, C motorhomes, 5th wheels, travel trailers, pop up campers, truck campers, horse or cargo trailers, conventional trailers, and utility trailers.

You may be wondering exactly which you have and what type of policy you need. In this section we will give you a quick breakdown of what each type is to help you. If you are uncertain, feel free to give us a call and let one of our knowledgeable agents help you.

Class A Motorhome

Class A motorhomes are what we think of when we think of RVs. Big, don’t require a vehicle to tow it, and often very expensive. They are 21 feet – 40 feet in length.

Class B Motorhome

Class B motorhomes are also known as camper vans. These are the smallest type of motorhome. They are 21 feet and under in length. They are a better option for most especially when you start to factor in things such as the cost of gas.

Class C Motorhome

Class C motorhomes are the middle ground between A and B. I know it doesn’t make sense. Why is it a C and not a B??

Class C motorhomes are 20 feet to 33 feet in length. An easy way to distinguish a class c from class is not only by its size but by the front. Class C motorhomes look like a class A and B combined into one. The class c has a very truck/van style front with the rest of it being similar to a motorhome.

Fifth-Wheel Trailer

These types trailers are 21-38 feet in length and are towed by a vehicle. They are known for the raised front area that would slightly cover the bed of the truck that is pulling them.

Conventional Trailer

These types of trailers range from 12-40 feet in length and unlike fifth-wheel trailers don’t have that additional storage or living space at the front.

Pop-Up Camper

Pop-up campers aren’t as fancy as the above mentioned options. However they are still MUCH better then sleeping in a tent. They range from 8-16 feet in length, and since they are made of collapsable walls, they are much easier to store or transport.

Truck Camper

Pretty self explanatory on this one. This is a type of camper where the living area is in the bed of truck. Nothing to special going on here, but they do require an RV policy due to the additional weight and items of the camper aspect of the vehicle.

Horse & Cargo Trailer

Again, these are pretty self explanatory. Horse and Cargo trailers are large enclosed trailers used to transport horses, other live animals, and other small vehicles such as a motorcycle, atv, or any sort of equipment.

Utility Trailer

Smaller then horse and cargo trailers, this type of trailer is still enclosed, but is meant to carry a lighter load.

Recreational vs Full Timers RV Insurance

Recreational or Full Timers RV insurance vary in price. They are based on the usage of the RV.

Recreational refers to people who use the RV through out the year for trips and such. It is not your primary residence.

Full Timers RV Insurance is referring to those who live in the RV full time. This could also be considered a Primary Residence RV policy. Typically that means you use the RV for your primary residence for 6 or months a year. Each insurance company is different when it comes to full timers or primary residence policies but they may want information on where the RV is parked and what type of utilities it is hooked up to, and how much you drive between locations.

Am I required to have RV Insurance?

RV or motorhome insurance being required by law depends on the type of RV. If it is operated as a vehicle on public roads, it will need to carry a minimum liability based on the state you are in. This would be Class A, B, or C motorhomes.

Other types such as though that are towed behind your vehicle are not required to have insurance but it is a good idea to protect your investment. However if it is being financed the finance company or lender may require you to have insurance.

Ways to Save Money on RV Insurance

The best way to save money on an RV policy by bundling it with other types of insurance. The reason companies offer a discount when you bundle policies together is because research shows that customers with more policies with one company are likely to stay with that company for longer than a person with only one type of insurance.

Bundling Options

Auto Motorcycle
HomeownersATV
Boat Commercial/Business
Umbrella Life/Health

Things Insurance Companies Want to Know for RV Insurance

There are a few things insurance will want to know when it comes to insuring your RV or travel trailer. Some of those are listed below….

  1. Will you be using the RV/Travel Trailer for commercial use?
  2. Will you be renting out or loaning it to others on a regular basis?
  3. Is it your only registered vehicle?
  4. Do you plan on using it on a job or work site?
  5. How many times a year do you plan to use it?
  6. Do you have experience driving or pulling the type of RV or travel trailer you are trying to insure?

Coverages on RV Policies

Just like auto insurance RV Insurance has different coverage options and choices available. Below we have broken those down for you. If you have any questions, please feel free to give one of our agents a call!

Liability

So just like with auto insurance liability is what covers bodily injury and property to damage to other vehicles and people when involved in an accident.

This is the portion of insurance that is required by law in 49 states (the only exception is New Hampshire) for all vehicles that operate on roads. Which includes RVs that are driven without the use of another vehicle.

Comprehensive & Collision

These two coverages are what cover physical damage to your RV.

Comprehensive covers damage that is not related to collision such as hail.

Collision covers damage from impact with an object or another vehicle.

Both Coverages carry a deductible, which is the portion that the insured is responsible for before the insurance company pays their portion. The higher the deductible you select the cheaper the premium will be.

Uninsured/Underinsured Motorist

Uninsured motorist gives you protecting for when you are in an accident and the other vehicle is at fault and doesn’t have insurance.

Underinsured motorist coverage is similar except that if someone doesn’t have as high of liability limits as you do, it will raise their limits to meet yours.

Medical Payments

Medical payments is an additional coverage that provides a set amount of money to cover medical expenses after an accident, regardless of who was at fault. It covers you and the passengers in your vehicle.

Roadside Assistance

Covers towing, winching, fuel delivery, and battery jump start.

This is a great thing to have when considering RV insurance. If you need help while on a trip towing an RV isn’t cheap.

Emergency Expense

This is coverage that is included with most RV insurance policies when comprehensive and collision coverages are selected. However you can typically increase the limits depending on the company.

Emergency expense pays up to a certain amount for the below listed things if the RV becomes inoperable when more than 50 miles from the insured’s home or where the RV is stored.

  • Temporary living facilities.
  • Transportation back to the insured’s residence.
  • Cost of returning RV to the insured’s residence, if RV was not declared a total loss.
  • Rental charges while the covered vehicle is being repaired

Other Coverages

These are other additional coverages available for RV insurance but are not always available. Certain factors such as time used each year or age of the RV may restrict your from these coverages.

Personal Effects

Covers personal items that are stored and used in the covered RV up to a certain limit. A deductible does apply.

Pest Damage

Provides protect from insects, birds, mice, and other rodents.

Last Updated on by Alexandra Vileikis