What is RV insurance?
Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.
When should you consider RV insurance?
RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes. Depending on the insurance company you choose, your additional coverage options may include:
Total loss replacement coverage
Campsite and vacation coverage
Towing and roadside coverage
Full-timer coverage if your RV is your full time residence
Uninsured and underinsured motorists coverage
How Much Does RV Insurance Cost?
The cost of RV insurance will vary widely, depending on several key factors:
- Whether your RV is a Class A, B or C model – Class A is the most expensive coverage followed by Class C, while Class B RVs are the least costly to insure.
- Whether you use your RV occasionally or if you are living in the RV full-time.
- Your driving history and record of accidents or past claims.
- The limits you set on your policy, as well as the deductible amounts – for example, your overall costs will be lower if you choose high deductibles, but you will also have higher costs to pay out of pocket in the event that you need to file a claim.
- The additional riders or added coverage you want to add, such as coverage for your personal belongings, towing and roadside assistance coverage, etc.
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