Recreational Vehicle 101
Recreational Vehicle Coverage
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
Full-timer coverage if your RV is your full time residence
Uninsured and under insured motorists coverage
Recreational vehicles, or RVs, include a wide range of motor homes, 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.
The classes of RV include:
Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long.
Class B: This is the smallest class of recreational vehicles. These vehicles do not have a cab-over, and can also include cargo van type designs, travel trailers and camper vans.
Class C: This group includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.