RV Insurance

There are some important distinctions that your insurance provider makes regarding your type of recreational vehicle.  This will affect both the type and amount of coverage that you may buy.  It’s important to know how your RV insurance company covers your type of vehicle.

One of the first distinctions your insurance company will make is what type of RV you have.  Typically RVs fall into one of three categories:  motor homes, travel trailers and campers.  Like their name implies, motor homes are vehicles that provide you with temporary housing.  They are permanently attached to a chassis or van.  Motor homes are probably the most commonly known RV, but there are several classes under this term.  For example, class A conventional motor homes are generally the biggest and most expensive.  They can be equipped with a washer and dryer, a TV satellite and a number of other amenities that make it like a home on wheels.  A class B camper van, on the other hand, more closely resembles a standard van even though it can have a sleeping area and facilities like a toilet and kitchen.  There are also other types of motor homes, so make sure to know the classification of the vehicle you have.

Travel trailers and campers are more closely related to each other.  They are both portable units that must be attached to another motorized vehicle in order to travel, and they are generally only used for short-term living, such as in a campsite.  Like motor homes, these vehicles are also divided into certain categories.  Fifth wheel trailers are unique because they have a raised forward edge that hangs above whatever vehicle is towing it.  There are also pop-up tent trailers, which have collapsible sidewalls for easier storage and towing.

The many types of RVs each have characteristics that make them unique.  Some vehicles have a body or specialized parts that can only be made by the RV manufacturer while others have conversions that are made by the owner after purchase.  Some are made for short-term living whereas others are equipped to meet your needs for long periods of time.  The insurance policy for your RV will take into account all the characteristics of your vehicle.

When you’re purchasing your RV insurance, be sure that your policy adequately covers your needs.  It should reflect your needs based on the type of RV you buy as well as provide for you in case you make your own changes.  If you make a new purchase or an incident occurs, make sure you’re not left wondering if your insurance covers that.