{"id":229,"date":"2017-06-19T22:57:05","date_gmt":"2017-06-19T22:57:05","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=229"},"modified":"2023-05-23T18:42:41","modified_gmt":"2023-05-23T18:42:41","slug":"motorhome-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/rv-insurance\/understanding-rv-insurance\/motorhome-insurance-cover\/","title":{"rendered":"What Does Motorhome Insurance Cover?"},"content":{"rendered":"

The age of packing your family into a tiny motorhome is gone. Now, recreational vehicles can be anything from a fully converted, live-in bus to a built-up sprint van to a 75-foot-long luxury coach. Americans\u2019 lives, and their vacations, have become increasingly mobile. As a result, their motorhome insurance needs have expanded. If you\u2019re considering a lifestyle transition to location independence or just wanting a recreational vehicle for family travel, then you\u2019re probably searching \u201cmotorhome insurance near me<\/strong><\/a>\u201d and trying to figure out your options. To help you make informed decisions, we\u2019ve outlined exactly what motorhome insurance covers and what it doesn\u2019t. Read on to learn more.<\/p>\n

What the Recreational Vehicle Classes Are<\/h2>\n

Motorhomes are categorized by size<\/a>, Class As being the largest and Cs being the smallest.<\/p>\n

Class A motorhomes typically have diesel engines, slide-out sleeping areas, and towing abilities. They range from 26 to 45 feet long. Also known as high liners, Class A motorhomes make it convenient to live on the road.<\/p>\n

Class B motorhomes, usually between 17 and 19 feet long, include campers and converted vans. They\u2019re much more fuel efficient than a Class A vehicle; however, they\u2019re much smaller, compacting a sleeping area and cooking station in a tight space.<\/p>\n

Class C motorhomes are smaller than giant, luxury Class As and larger than small, efficient Class Bs. These mini-motorhomes are between 22 and 35 feet long. They usually have a cab where there\u2019s a bed. Cooking areas, bathrooms, and dining areas aren\u2019t uncommon.<\/p>\n

Your motorhome insurance should cover the class of RV you\u2019re going to purchase. It also should cover the kind of towable trailer<\/a> you\u2019re going to use. It\u2019s important to speak with your insurance company to verify that both are covered before you hit the road.<\/p>\n

What Motorhome Insurance Covers<\/h2>\n

Motorhome insurance isn\u2019t dissimilar to regular auto insurance. It includes liability, underinsured motorist, uninsured motorist, and comprehensive coverage. It also includes collision insurance<\/strong>. Additionally, motorhome insurance provides emergency expenses, including towing and roadside assistance, in the event of an accident.<\/p>\n

Most policies feature total loss<\/a> replacement coverage. In case of an accident, this coverage will reimburse you with the full value of your RV, if it\u2019s less than five years old.<\/p>\n

You may want to consider additional coverage options. For example, your policy also can financially protect the personal items you keep in your recreational vehicle. If you mount a satellite dish, awning, or another accessories to the exterior of your motorhome, your policy can cover that, too.<\/p>\n

How to Get Motorhome Coverage for Your RV<\/h2>\n

Freeway Insurance offers motorhome coverage for Class A, B, C recreational vehicles. We offer insurance for fifth wheel, conventional, pop-up tent trailers, mounted truck campers, and trailers with recreational cargo quarters. Explore our coverage options, which include roadside assistance, uninsured motorists, underinsured motorists, collision insurance<\/strong><\/a>, comprehensive coverage, property damage liability, and bodily injury.<\/p>\n

To learn more about our motorhome insurance options, call our customer representative team at (800) 777-5620<\/strong>. We\u2019ll provide you with quotes and help you figure out which coverage options work for your vehicle and your budget.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

The age of packing your family into a tiny motorhome is gone. Now, recreational vehicles can be anything from a fully converted, live-in bus to a built-up sprint van to a 75-foot-long luxury coach. Americans\u2019 lives, and their vacations, have become increasingly mobile. As a result, their motorhome insurance needs have expanded. If you\u2019re considering […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[74],"tags":[117,116,118],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/229"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=229"}],"version-history":[{"count":3,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/229\/revisions"}],"predecessor-version":[{"id":8727,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/229\/revisions\/8727"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=229"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=229"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=229"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}