Everything You Need To Know About RV Insurance

July 10, 2018

 
 

Fully named recreational vehicles, RVs is the collective term used for different types of motorhomes. They include bus conversions and camper vans. RVs come in different classifications including Class A, B and C. They type of insurance you get for your RV will be contingent upon its class. Other factors that depend the kind of RV insurance you qualify for include how long you live in it as well as other factors.

Understanding RV Classes

Class A

This class includes motor coaches, converted buses, as well as luxury coaches. These vehicles can be as long as 75 feet.

Class B

As far as size goes this is considered as the smallest class. This class of vehicles do not have a cab-over and may include camper vans, travel trailers, and cargo van designs.

Class C

This class of RVs includes motorhomes that use a standard cargo van as the portion responsible for driving while the camper part is the portion that extends over the cab area. Class C RV insurance covers fifth wheel vehicles.

To find the right RV insurance cover for your camper or motorhome get in touch with a Compare A Quote insurance agent. We will help you find the right insurance cover for your RV.

What is Covered By RV Insurance?

Just like auto insurance, RV insurance covers many of the same risks and offers similar coverage such as liability, comprehensive, and collision coverage.

In addition, you have the option to get protection for belongings you might have on board, as well as attached accessories and equipment. This might include things such as satellite dishes and awnings. Other additional coverage will depend on your insurance company and might include:

  • Campsite and vacation coverage
  • Total loss replacement coverage
  • Emergency expenses
  • Full-timer coverage
  • Towing and roadside coverage
  • Uninsured and underinsured motorists coverage

How RV Insurance Works

If you own an RV, RV insurance protects you from meeting excessive out of pocket costs such as when you cause an accident that causes bodily harm, in the event of loss or if you cause property damage.

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