The Basics of RV Insurance

The Basics of RV Insurance

RV insurance is something that all people who own such vehicles require, not only because it’s the law, but because it’ll save them money in the big picture.

Recreational vehicles (A.K.A. RVs) include a wide range of motorhomes, from bus conversions to camper vans. All RVs are classified into three primary groups—all of which are based on size and mobility. The classes are: A, B, and C. RV insurance premiums are based on the class of your vehicle, how often it is used, and whether or not you live in it full-time. If you own a recreational vehicle, here are some things you should know about them.

RV Classes

  • Class A – The class includes models such as luxury coach, converted buses, and motor coach. These vehicles can be up to 75 feet long.
  • Class B – This is the smallest class of RV. These recreational vehicles do not have a cab-over, the space in which one could sleep during long road trips, 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. C class covers fifth wheel vehicles.

What Does RV Insurance cover?

It covers most of the similar risks that your auto insurance policy does. Additional coverage options may include things like:

  • Campsite and vacation coverage
  • Uninsured and underinsured motorists coverage
  • Total loss replacement coverage
  • Towing and roadside coverage
  • Full-timer coverage if your RV is your full-time residence
  • Emergency expenses coverage

You may think that RV insurance is expensive, but it is dwarfed by any repair/replacement job that could come from an issue on the road. For more information about how we can slash the cost of your coverage, contact Lou Aggetta Insurance Services in Pleasant Hill, California today.