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.

Risk and Coverage

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.

The travel trailer is one of the most useful RVs on the road nowadays. These non-motorized RVs are usually pulled by an SUV or truck. Travel trailers can sleep anywhere from two to ten people. They give many of the features related to the fifth wheel or toy hauler. Floor plans are almost endless with choices of multiple bedrooms, bathtubs, bunkhouses, indoor and outdoor kitchens, residential fridges and all the other comforts of traditional homes. Several travel trailers also offer slide out features like the pop-up camper, which offer added sleeping areas in the front side or rear of the unit.

Risk and Coverage

Some basic insurance coverage for RVs include:

Comprehensive coverage

Travel trailer parts, equipment, and accessories. This provides safety beside damage done by falling objects, fire, theft, explosion, earthquake, windstorm, hail, flood, and much more.

Personal Effects Coverage

This coverage is bought for items found within the travel trailer and for personal effects while outside the travel trailer.

Liability Coverage

It covers experiences should the property owner’s direct or indirect actions result in third-party damages or losses for others.

Insurance risk and coverage possibilities vary based on the size and type of your watercraft. These options include:

Limited liability protection

It protects you in case you cause injuries or damage to another person or their property.

Physical damage coverage

It protects your boat if it is involved in a collision or hits an underwater object.

Replacement coverage

It can be either full replacement coverage or actual cash value coverage.