Recreational Vehicles (RVs) include a wide variety of motorhomes, from custom bus conversions to camper vans, and are organized by three different kinds of class: A, B, and C (pretty simple to remember, really). RV insurance depends on the class of your recreational vehicle, how often you use it, what you use it for, and whether you live in it full-time. If you have questions regarding RV insurance, we may have the answers below!
What classes exist for RV Insurance?
Because RVs are so prevalent and include a wide range of motorized homes, RVs can be split into three different categories: A, B, and C.
- Class A: This class includes models such as the luxury coach, converted bus, and motor coach. These particular vehicles can reach lengths up to 75 feet long.
- Class B: This is the smallest class of the recreational vehicle. 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 standard cargo vehicle as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.
Why is RV insurance important?
It’s important because you’ve made a large investment in your motorhome. Should your large vehicle breakdown (as we see it happen in every movie with an RV in it), the cost for replacement or repair can be catastrophically significant.
Is RV insurance required?
Like auto insurance, RV insurance is required before you take to the road!