How To Insure Your Recreational Vehicle
Dan Levenson June 09, 2022
Whether you are planning to use your recreational vehicle to live in or use it for occasional trips, it is important to get insurance coverage for your RV. An RV insurance policy covers liabilities just like auto insurance, covering you in the event of an injury or accident. Contacting your local insurance agency is the best way to get coverage for your recreational vehicle. Keep reading to find out how to pick a policy for your motorhome or camper.
What Is A Recreational Vehicle?
One example of an RV or recreational vehicle is a trailer or motor vehicle that is customized to include living quarters. There are different types of RVs, including motorhomes, coaches, fifth-wheel trailers, popup campers, caravans (also known as camper trailers), and truck campers. RVs are classified into three categories; Class A, Class B, or Class C. Class A RVs are for anyone who likes luxurious living quarters when camping or on a road trip. Class A RVs are more useful if you plan to use your recreational vehicle throughout the year. They also include a towing package for small vehicles.
Class B RVs are usually more fuel-efficient and smaller than Class C RVs. Class B RVs are motorhomes built between 18 and 24 feet long, and can fit in many standard parking spaces or garages. Class C RVs have more exterior storage, more interior living space, and can hold more people. Class C motorhomes have an attached cab section and are built on a van chassis or a truck. Sport utility vehicles are also considered as RVs.
What RV Insurance Policy Is Best For Me?
It is best to contact your local insurance agency to determine what is the best way to insure your recreational vehicle. Most states have a minimum requirement for insuring an RV vehicle, so it is important to have the correct form of coverage. Specialty vehicles can require higher liability limits than automobiles. RV insurance can include total loss replacement, vacation liability, and medical payment coverage for RVs. An experienced insurance agent knows what policy will offer the most amount of coverage.
Each type of RV has its own insurance policy, tailored to cover your individual needs. RV owners can have Motorized RV insurance, and Towable RV insurance. The cost of your RV insurance depends on a number of factors, including your driving history and your state’s insurance requirements. It is also important to know what you want to pay as a deductible, and how much coverage you want to have.
Why Do I Need RV Insurance?
Recreational vehicle insurance will protect your investment, your family, and your personal possessions while you travel. Having RV insurance is mandatory by law, and will cover you in case of any accident, vehicle damage, or property damage. Including roadside assistance in your policy is a smart move, as some of the most common causes of RV accidents are tire blowouts and fires that start from leaking propane gas.
RV insurance can also cover emergency costs while you are on the road. Adding Emergency Expense Coverage to your policy will cover any unplanned expenses you may have, such as a hotel stay or rental car costs due to an accident or loss.
An Experienced Insurance Agent Can Help
You are required by law to have RV insurance, and it is best to be covered in case of an accident or loss. Contact your local insurance agency to speak with an agent today to find out what policy works best for you. Whether your RV is Class A, B, or C, they will know what coverage you will need and what your state’s minimum requirements are.