Traveling around the country in a recreational vehicle is something that many people enjoy doing. RVs can provide temporary living arrangements for people who are traveling, or they can be the primary residence for people who prefer life on the road. Every state requires RV owners to have RV insurance. If you are an RV owner, then the type of insurance you need will depend on the type of RV you have and how you use it.
RVs are grouped into three categories. Class A RVs are up to 75 feet long and include luxury motor coaches and converted buses. Class B RVs are conventional vans with an overhead cabin. This class also includes travel trailers and camper vans. Class C RVs have a conventional van or truck that drives the RV and has a camper portion in the back. This class also includes fifth-wheel trailers, which have an in-box hitch and are pulled by a pickup truck or a semi-truck. You may have a boat that you can hitch to the back of your pickup truck, but this would not be considered a fifth wheel trailer. You will have to get boat insurance for your boat.
RV insurance provides collision, liability, and comprehensive coverage. Some additional coverage options choices include total loss replacement, vacation, towing and roadside, and full-time residence. Personal belongings, equipment, satellite dishes, and attached accessories can also be protected depending on the type of policy you choose.
RV insurance works like auto or homeowner’s insurance in that it protects you from excessive out-of-pocket costs if you or someone else is responsible for the loss or damage to your RV. An RV is an investment that can cost around $15,000 for a fifth-wheel trailer to over $200,000 for a luxury motor coach. RVs can also cause a lot of damage if it’s involved in an accident. Be sure to talk to a local insurance agent who can work with you to find the right amount of RV insurance coverage that is appropriate for your needs.