RV Insurance

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RV owners are unique. For them, travelling is more than just a way to get from A to B. They love the highway, and the journey is just as important as the destination. Make sure to protect those travels with RV Insurance.

While RVers love hitting the road to get away from all the hassles of everyday life, many of them assume RV insurance is just the same as auto insurance. They couldn’t be more wrong.

RV owners need to be aware of the important differences. For example, if you don’t have the right coverage for your RV, an accident could result in great financial hardship.

So how is RV insurance different?

Well, RV insurance is sort of like two policies in one: It protects your house on wheels like homeowners insurance, and it protects your vehicle like auto insurance.

You definitely need to protect yourself from risks like collision and road emergencies. But your RV becomes your home when you’re parked or camping, so it has to be protected against fire, theft, liability and other disasters.

Motor home insurance is designed specifically for people who travel. For example, because your vehicle is larger than most others, you should have more coverage for liability than a standard car. This is an important option you might want to consider for your insurance.

Who Should Have RV Insurance?

Each type of recreational vehicle needs a specific kind of insurance:

• Class A covers RVs that are similar to big commercial buses. This type of RV has everything you need. And some of these motor homes are quite expensive and can cost several hundred thousand dollars.
• Class B covers vehicles that are similar to vans but are tall enough to stand up inside. They have a longer wheelbase, too, in order to handle additional weight and space.
• Class C covers large vehicles made from vans or trucks. 

Like bigger homes on wheels, fifth-wheel trailers are made to be pulled on the highway for long-term use or camping.

• Pop up campers – theses can be collapsed for easy transport and storage
• All-terrain vehicles (ATVs) (includes three- and four-wheelers)
• Horse trailers (especially the ones that have sleeping units)
• Toy haulers – vehicles that contain “toys” like dirt bikes and snowmobiles

Standard RV Insurance

Standard insurance coverage depends on your vehicle, but the ones that are motorized need to be covered, like your car, for comprehensive, liability and collisions.

You might be able to slide by with seasonal coverage if you only vacation once or twice a year.  Trailer RVs must have coverage for damage, when on the road or off. 

RV Insurance Options

When getting insurance for your RV, you should think about these important options:

• Insurance for around-the-clock RVers
• Camper liability is important because you are liable for what happens inside your RV and the campsite or lot it is parked on (exactly like your house)
• Total loss coverage
• 24-hour roadside assistance is a recommended option that could save you a lot of money and time, even if you only have to use it one time. And it provides peace of mind even if you never use it.
• Emergency expense money
• Extra bodily and property damage liability is common, especially when you own a big and expensive RV
• RV contents coverage
• Coverage for ATVs you tow, for damage caused by driving or towing