Learn everything about RV insurance.
The RV industry has seen rapid growth in recent years. Families are discovering that nothing beats packing up an RV and hitting the open road together for an adventure. RV manufacturers are responding by producing lighter, smaller, and more environmentally friendly units, making RVing more accessible to even more people. RVs are classified into the following categories:
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• Towable RVs are either attached to or towed by a vehicle. These range from standard travel trailers to folding camping trailers. Some of these trailers can even be towed by your family car, thanks to recent manufacturing improvements.
• Motorized RVs are those that are designed to be self-contained temporary living quarters. This RV classification is divided into three categories.
• Class A motorized RVs are the largest and most expensive. They can be as long as 45 feet and, with the majority having some type of slide-out, provide the most space.
• The smallest RV class is Class B, also known as a camper van. They are the smallest of the three motorized RV classes, but what they lack in size and amenities they make up for in price.
• Class C is a scaled-down version of Class A but a scaled-up version of Class B. Some, like Class A, have a slide-out and can sleep up to 8 people comfortably.
• Park Model RVs are designed to look like houses and are intended to be parked in the same campground for an extended period. They frequently have full-sized appliances and are intended for long-term stays.
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RV Insurance Protection
The type of RV you own and how you use it will determine the RV insurance coverages that you require. Many of the same coverages available on your auto policy would be available on your RV policy for towable and motorized RVs. These include coverages for Liability, Collision, and Comprehensive. However, for Park Models and some Class A RVs, coverages similar to your homeowner's policy are recommended. Among the extra RV coverages are:
• Vacation Liability protects you if someone is injured while visiting your campsite. This coverage is designed for people who live in their RV full-time.
• Personal Effects coverage safeguards your personal belongings stored in your RV. Most insurance companies will pay the replacement cost of your items rather than the current value.
• If your RV becomes disabled as a result of a covered loss, Emergency Expense coverage will reimburse you for temporary living expenses. For Full-Time RVers, most carriers provide this coverage for free.
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How Much Does RV Insurance Cost?
Many different factors influence the cost of RV insurance, including where you keep the RV, your driving record, your age and marital status, the type of RV you own, whether you own a home, and even your credit score. The best way to find out what your premium will be is to request quotes from several of the top insurance companies from a licensed agent in the office.
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