What is RV Insurance?
Recreational vehicles, or RVs, include a wide range of motor homes, campers, bus conversions and more. These vehicles are organized by classes, and the type of insurance you need depends upon which class your vehicle belongs to, how often you use it, whether you live in it full-time, and more.
- Class A recreational vehicles include luxury coaches, converted buses and motor coaches. They can be up to 75 feet long to be classified as a Class A vehicle.
- Class B recreational vehicles include the smallest vehicles that do not have to have a cab, but can also include cargo vans, travel trailers and campers.
- Class C recreational vehicles include those that use a standard cargo van as the driving part of the vehicle and the camper portion then extends over the cab. This includes fifth wheel vehicles.
We can help you determine which class your recreational vehicle is in and find you the right type of insurance protection. RV insurance covers many of the same risks as auto insurance, including collision, comprehensive and liability coverage. You can also get additional coverage for your personal property that you keep on board the vehicle, as well as other equipment and accessories.
We will assess your needs and determine if you need additional coverage, such as:
- Total loss replacement coverage
- Campsite and vacation coverage
- Emergency expenses
- Towing and roadside assistance
- Special coverage if you life full-time in your RV
- Uninsured and underinsured motorist coverage
- Special coverage if you rent an RV