Class A, B & C motorhomes are their own vehicle while giving you all of home’s comforts on the road.
Pop-up campers are towed behind another car but give you a bed to sleep in once you get to your destination.
Recreational RV policies will require the same state minimum coverage as an automobile, including body injury and property damage liability coverage. These coverages can help pay for costs associated with any damages and injuries you and your RV cause to someone else. Optional coverage, such as comprehensive and collision coverage can protect your RV from unforeseen circumstances involving theft and peril, as well as accidents involving other motorists and streetlights. Additional coverage can extend to your personal belongings inside the RV, and roadside assistance can help get you going if you breakdown while you’re away from home.
There are a few differences if you make your RV your primary residence. Although many coverages will transfer from a recreational policy, you’ll need broader liability coverage because you’ll need to be covered for a longer period of time. Most liability coverage is for while you’re operating the vehicle, but full-time RV insurance will also extend to while the vehicle is parked. And just like your home, you’ll need coverage for medical payments in the event someone gets injured in or outside of your residence, in this case being your RV. Finally, you’ll need to carry loss assessment coverage to help cover any fees associated with the repair to the property your RV was parked on.
There are many factors that decide the cost of RV insurance, including your age, the make, model, year and type of the RV, as well as your claims history.Get a Quote Now
Basic liability coverage does not cover theft, but comprehensive coverage can help in the event of theft, vandalism, or other unforeseen peril.