Recreational Vehicle Insurance Explained

Thousands of people ride around in RVs (recreational vehicles) every day. RVs are generally seen as a comfortable form of transportation. Recreational vehicle insurance protects your recreational vehicle if you are involved in an emergency while you are traveling, camping, or if your RV is in storage.

Is RV Insurance Mandatory?

In some cases, RV insurance is mandatory. If you own a motor home, you must have liability insurance to legally drive your recreational vehicle. If you have a loan on your RV, then you will likely need insurance coverage until you pay off the loan in full. If you are simply towing an RV, then coverage is not mandatory. Also, be aware that some camping sites require campers to have insurance on their RVs before entering the site. An accident can happen at any time. With full coverage, you will be prepared if an unexpected issue arises.

Types of Recreational Vehicles

The type of RV insurance that you need depends on the type of vehicle that you own. There are three distinct classes of recreational vehicles.

Class A RVs are large vehicles that are generally the size of a tour bus. Technically, Class A vehicles range from 20 feet to 40 feet. In special cases, the length can be even longer. Generally, Class A vehicles can hold up to 10 passengers. Class A RVs are the most luxurious of all classes and relatively expensive.

Class B RVs include sleeper vans and camper vans. They are smaller vehicles that lack interior space. Class B RVs are beneficial if you enjoy a lot of outdoor activities. They are generally fuel-efficient.

Class C RVs are also fuel-efficient but are seen as easy to drive and semi-luxurious. These provide enough room in the interior for you to add some amenities besides a kitchen, bathroom, and bed. Class C RVs have a regular truck chassis, which provides a smooth feel compared to other RVs. They are also less expensive than other RVs.

If you plan to purchase a fifth wheel or travel trailer, you will need full coverage to protect those items if they are vandalized or stolen. Many recreational vehicles include toy haulers to transport ATVs or snowmobiles. You will also have to amend your RV insurance policy to completely cover the toy hauler from possible damage. If you are involved in a collision while you are on the road, you will have peace of mind knowing that you will not have to replace or repair your accessories out of pocket.

Types of Coverage Available

  • Collision coverage is the foundation of your RV policy. You are covered if your RV collides with another vehicle or object.
  • Liability coverage protects you if one of your passengers sustains an injury for which you are held liable.
  • Medical payments coverage pays for injuries sustained by third parties because of your RV.
  • Roadside assistance covers you if your vehicle breaks down, needs fuel, or has to be towed.
  • If your RV is totaled, total loss replacement coverage will help you find a new one.

Note that personal items kept inside your RV are covered if they are stolen or vandalized. However, you may have to amend your policy to include any luxury items. Also, if you plan to renovate your RV, you can amend your policy to cover the structure of your RV against possible damage.

The type of RV insurance coverage you need varies greatly based on the type of RV you have and your state’s policy legislation. Do you have more questions related to RV insurance? Contact the insurance professionals at Sausman Insurance Agency for all of your Pennsylvania insurance needs.