When comparing your RV insurance options, it’s important to get a policy tailored to your type of RV, your lifestyle and personal preferences. Most RV insurance companies provide typical coverage elements as a starting point, such as whether you’re a full-time or part-time RVer. These coverages, which are defined below, are the backbone of every RV insurance policy.

  • Bodily Injury – After an accident caused by your RV, bodily injury liability covers the costs of injuries to others, including medical bills and lost income.
  • Liability Coverage – Because RVs are large vehicles that can cause a lot of damage in an accident, liability coverage is very important. A motorhome’s liability is usually covered only by an RV insurance policy. Liability coverage for a travel trailer is usually covered by the towing vehicle’s policy.
  • Roadside assistance – Considering how much time you spend on the road with your RV, having a towing service is essential.Roadside service for RVs normally includes a high-limit coverage to cater for the huge vehicle size, though this varies by insurance company. Because towing an RV can be costly, roadside help is essential if your RV is in poor condition.
  • Collision coverage – Collision insurance is only for your own RV. If your RV or camper trailer is damaged in an accident with another vehicle or rolls over, collision coverage will repay you.
  • Uninsured or underinsured motorist coverage – Uninsured or underinsured motorist coverage protects you in the event that another driver who is at fault for your injuries or damages is unable to compensate you through their insurance coverage. This is required in several states.

RV Insurance Classifications

There are different types of motorized vehicles that will be insured differently, depending on their cost, size, and quality:

  • Class A motorhomes are typically 21 to 40 feet long and sleep up to eight people. They’re known for higher quality interiors and amenities.
  • Class B motorhomes, or “camper vans,” range from 16 to 21 feet long and are built for up to four people.
  • Class C motorhomes, or “mini motorhomes,” are often roughly 20 to 33 feet long, holding up to six people.

RV insurance is not the same as automobile insurance. In fact, it’s a frequent misinterpretation that the same type of insurance that covers your regular vehicle also covers your RV. At Panichelle Insurance, we recognize that your RV is in a league of its own. Contact us today to find the correct RV insurance for you!

Leave a Comment