How Much RV Insurance Do I Need?

If you have a recreational vehicle, you will need a specific insurance policy tailored for it. A normal auto insurance policy may not cover your RV as needed. However, not every RV insurance policy is created equal, either. You will need to make sure that your policy is geared to fit your RV.

There are different types of coverages available to cover your RV against various dangers. These coverages may depend on the class of your RV. Classes include:

• Class A: Class A RVs include luxury coaches, converted buses and motor coaches. It may include vehicles up to 75 long.
• Class B: Class B RVs are the smallest class without cab-overs. This class includes cargo vans, travel trailers and camper vans.
• Class C: Class C RVs include standard cargo vans with a camper portion extending over the cab area, fifth wheel vehicles and more.

Depending on how you use your vehicle, you may need additional coverage, as well. Typical coverage available under RV insurance may include:

• Comprehensive Coverage: Comprehensive coverage provides compensation for physical damages to the RV caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not including collision. 
• Collision Coverage: Collision coverage provides compensation for damages to the RV caused by a collision with another vehicle or object.
• Liability: Liability insurance covers bodily injury and property damage you may cause while operating the RV. 
• Medical Payments: This insurance covers medical bills you and your passengers may face after an accident, no matter who caused the accident. 
• Uninsured/Underinsured Motorist: This insurance covers damages and injuries that occur in an accident involving another driver who is not carrying enough insurance to cover the damages.
• Campsite and Vacation Coverage: Campsite and vacation coverage provides compensation for liability issues that may occur on or around your RV while it is parked at a campsite or other vacation spot.
• Roadside and Towing: Roadside assistance and towing offer compensation for trip interruptions.

Coverage for liability under RV insurance generally begins at $1 million, although higher limits are available. You can also choose different limits and deductibles for physical damage to your vehicle. A higher deductible can save you money on monthly premiums, but it also means paying more out of pocket before receiving compensation for an RV insurance claim.