Recreational vehicles or RVs include a wide variety of motorhomes, such as bus and campervans which are controlled 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.
Class A- This class includes a converted bus, motor coach, and luxury coach.
Class B- This is the smallest class of recreational vehicles which includes camper vans, travel trailers, and cargo van type designs.
Class C- This class covers fifth wheel vehicles that use a standard cargo van as the driving part of the RV, and the camper part extends over the cab area.
Some basic insurance coverage for RVs include:
Bodily injury liability
It helps pay for bodily injury damages you may become legally liable for because of an accident. This includes paying for an injured person’s medical bills and loss of income, up to your coverage limit.
Property damage liability
It helps pay for damages to another person’s vehicle or property you, may become legally liable for because of an accident.
Uninsured/underinsured motorist’s coverage
It reimburses you for injuries or damages (up to your coverage limits) caused by a driver who does not have enough, or any, liability insurance.
Medical payments
It helps pay medical expenses for you, your family household members, and your passengers due to accidental bodily injury while occupying your RV, no matter who is at fault.
Comprehensive
It provides coverage for loss to your RV not caused by collisions, such as damage caused by contact with animals, falling objects, vandalism, theft, fire, or hail.
Collision
It pays for damage to your RV if you hit another vehicle or object, another vehicle hits you, or your RV rolls over.
