RV Insurance

Understanding Your Vehicle Type

The coverage you need depends heavily on your rig. RVs generally fall into four main categories:

• Motorized RVs (Class A, B, and C):
  Self-contained units. Class A rigs are the luxury giants of the road; Class B camper vans offer agility and efficiency; and Class C delivers a mid-sized balance, often with an over-the-cab sleeping area.
• Towable RVs:
  Travel trailers, fifth wheels, and pop-up campers. Your tow vehicle’s liability may extend to the trailer, but specialized coverage is typically needed to protect the trailer itself from physical damage.
• Park Models:
  Designed for long-term stays in a single location, functioning more like seasonal homes and often requiring stationary RV coverage.
• Full-Timer Units:
  If your RV is your primary residence for more than six months per year, you may need a Full-Timer policy that mirrors the broader liability protections found in a homeowners policy.

Essential Coverage for the Modern Traveler

Standard auto insurance often falls short for RVs. A dedicated policy can include protections designed for living, traveling, and storing a home-on-wheels:

• Vacation Liability:
  Since an RV is a living space, this can help cover you if a guest is injured at your campsite or inside your parked unit.
• Personal Effects Protection:
  Covers items like electronics, outdoor gear, and appliances inside your RV if they’re stolen or damaged (based on policy terms and limits).
• Emergency Expense Coverage:
  If your RV becomes uninhabitable due to a covered loss while you’re traveling, this can help pay for temporary lodging and transportation so you aren’t left stranded.
• Total Loss Replacement:
  For newer models, some carriers offer options that pay for a comparable new RV if yours is totaled—rather than only the depreciated cash value.

Customizing Your Quote

Premiums can be tailored to your lifestyle. Factors like driving history, RV age, where it’s stored, how often you travel, and even credit can influence rate. Many providers also offer discounts for smart safety features and certain upgrades.