RV Insurance FAQ

Insurance for recreational vehicles (RVs) a.k.a. motorhomes provides property and liability coverage in case of an accident involving the vehicle that results in property damage or physical injury among other coverages.

There are some differences between RV and auto insurance, but at its most basic, RV insurance is at the same level as the state-required minimum coverage. That said, some insurers take into account the size of the RV vs the size of a normal passenger car and the damage that can result in the case of an accident.

Coverage rates may also differ based on whether or not the RV is a full-time habitation or a part-time vacation-type vehicle. Coverage is also different if you choose to include the contents of your RV, much like you protect the contents of your home under a homeowners insurance policy.

One main difference is that, in most cases, you can suspend your RV insurance when it is in storage.

It depends on the coverage you choose, but RV insurance can provide collision, comprehensive, and liability coverage for your RV or motorhome. There are also some protections that provide coverage for personal belongings on board your RV, such as awnings and satellite dishes. Depending on your insurer, additional RV insurance in your policy may include:

– Total loss replacement coverage

– Emergency expenses

– Towing and roadside assistance

– Campsite and vacation coverage

– Underinsured and uninsured motorists coverage

– Full-time coverage for RVs that are your full-time residence

There are some differences between RV and auto insurance, but at its most basic, RV insurance is at the same level as the state-required minimum coverage. That said, some insurers take into account the size of the RV vs the size of a normal passenger car and the damage that can result in the case of an accident.

Coverage rates may also differ based on whether or not the RV is a full-time habitation or a part-time vacation-type vehicle. Coverage is also different if you choose to include the contents of your RV, much like you protect the contents of your home under a homeowners insurance policy.

One main difference is that, in most cases, you can suspend your RV insurance when it is in storage.

RVs and motorhomes are put into three different classes based on their chassis size. The classes of RV include:

– Class A: Vehicles up to 75 feet long that are considered luxury coaches, motor coaches, and/or converted buses.

– Class B: The smallest class of RV that doesn’t have a cab-over. These are mostly travel trailers, camper vans, and other cargo van-type vehicles.

– Class C: This group class is for vehicles that use a standard cargo van as the driving portion of the vehicle and has a camper portion that extends over the cab area. This class also covers fifth wheel vehicles.

The price of RV insurance is determined by many factors. The contributing factors in determining the cost of your RV/motorhome insurance include:

– The class of your RV

– The usage of your RV

– Your driving history

– The limits and deductibles you have set on your policy

– Additional or optional coverage you wish to add

Before making any insurance purchase, do your research and get a free RV insurance quote online or speak with an insurance agent to get an idea of how much it will cost for you.

Motorhomes are required by law to at least have liability insurance while being driven on the road in the U.S. When it comes to other forms of RVs, the laws vary from state to state in terms of both the type and amount of coverage legally required. It is best to research your local laws or speak to your Freeway Insurance agent to see what type of coverage is required for you to use your recreational vehicle legally.

It depends on the coverage you purchase. Many insurance companies offer different rates and ranges of coverage depending on how often you use your RV and if you reside in it for road trips, part of the year, or permanently.

It depends. The amount of RV coverage you’ll need is dependent on a number of factors, such as:

– The class of motorhome you own

– Any and all state requirements needed to legally operate an RV

– Where you travel and whether you’ll cross state/country borders

– Part-time or full-time usage

– Any custom features on or in your motorhome that could affect repair cost

It is best to discuss your RV and your needs with an insurance agent to make sure you are fully covered and legal on the road and at the campsite.

Freeway Insurance can get you great affordable RV insurance rates from the top insurance companies in the country. Give us a call or get a free motorhome insurance quote online to obtain a quality plan that keep you legal and keeps your RV protected.