RV Insurance

What is RV insurance and what does it protect you from?

RV insurance covers different types of motorhomes: Class A: heavy-duty frames typically a bus or truck that offer plenty of living space Class B: smallest type of RV, usually no longer than 21ft Class C: in between A/B and known as "mini-motorhomes" There are two types of RVs, one that is drivable and one that you tow behind your vehicle. Standard RV insurance protects you from an accident, severe weather damage, fire damage, limited property damage and uninsured motorists. Additional coverage options for protection against water damage, personal injury, equipment damage, personal effects and pest infestation are available. However, it is important to note that RV insurance will not protect you against property theft in the RV or tire damage.

What determines full-time RV use vs part-time RV use?

Usually full-time RVers refers to people who use their RV as a permanent residence. All full-time RVers will want insurance coverage that is similar to their homeowner's policy as it is their full-time residence. Typically insurance companies determine full-time use by the number of days it's in use annually. RV use of 150 days or more (approx. 6+ months) is the common "full-time" threshold of use determined by most insurance carriers. Typical full-time RV coverage includes personal liability, medical payments, and loss assessment. Part-time RVers typically have the option of vacation liability insurance which covers you for injuries or damages that occur on short trips.