Recreational vehicles, or RV’s, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. RV insurance will depend on the class of your RV, how much it is used, whether you live in it full time and other factors. RV Insurance coverage is like Auto Insurance with some exceptions like personal property.
Types of RVs/Motorhomes are as follows:
Class A – This class includes models such as the luxury coach, converted bus and Motor Coach. These vehicles can be up to 75 feet long.
Class B – This is the smallest class of Recreational vehicles. These vehicles do not have a cab-over, and can also include cargo van type designs, travel trailers and Camper vans.
Class C – This group includes vehicles that use a cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class covers Fifth Wheel vehicles.
RV Insurance covers the following:
If the RV is a motorized vehicle, then a minimum of Liability Coverage is required. If there is a loan on any of the above, Liability and Physical damage coverage would be required as well.
American Integrity Insurance Solutions is an independent insurance consulting agency that partners with dozens of carriers to provide people with unbiased advice on a variety of insurance products.
Our team is readily available to craft a policy that custom fits to your needs. We promise to not only provide a policy fulfilling your specific needs, but also to help you understand how and what it protects you against.