Understanding RV Insurance Policies

Having an RV can be a lot of fun, but without RV insurance coverage, things can take a turn for the worse. Protect your RV or motorhome today.

An RV gives its owner and passengers a sense of freedom on the open road. Having RV insurance can make the open road feel even better by giving you peace of mind. This coverage protects your RV, or recreational vehicle, in case of an accident or other covered perils.


Classes of RVs

Knowing as much as possible about your motorhome can make getting a quote easier. There are three different classes.

1. Class A: These vehicles can be up to 75 feet long. A luxury coach, motor coach and converted bus would be included in this class. These are also typically the most expensive to insure.

2. Class B: These are the smallest of the RVs and generally the cheapest to insure. There is no cab-over, so the front of the vehicle looks like a standard auto. Cargo vans, travel trailers and camper vans are some of the vehicles in this class.

3. Class C: The RVs in this class have a cargo van as the driving part of the vehicle and the camper portion extends over the cab. Fifth-wheel vehicles are also a part of this class.

What does RV insurance cover?

  • Liability. This insurance is required by law for your RV.

There is also optional additional coverage such as:

  • Collision
  • Comprehensive
  • Vacation coverage, which protects your motorhome when it is parked at a temporary vacation spot.
  • Personal belongings protection, which covers the loss of any of your personal property that is stolen or damaged.
  • Coverage for equipment and attachments such as satellite dishes and awnings.
  • Uninsured/Underinsured Motorist Coverage (This is also required by law in some states.)

When is extra RV insurance required?

  • When you are renting the RV.
  • If you live in your motorhome full time. This will require a special type of insurance similar to homeowner’s insurance.
  • If your RV is financed. As with personal autos, most lenders will require that you carry more insurance on an RV for which you have taken out a loan.


How it Works:

Your RV insurance policy will work the same way your personal auto policy works.

Your liability will cover the other vehicle if you are at fault in an accident up to your policy limits. You will be protected from having to pay for the other person’s medical bills and the other vehicle’s property damage. This is especially important for an RV, because as a large vehicle, it can cause severe damage and injuries.

Your collision coverage will protect your motorhome in case of a collision, and your comprehensive coverage will protect your RV from things like theft and bad weather.


Get a quote!

Call an Infinity agent today at 1-800-INFINITY or get a quote online.


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