RV Insurance 101: Types of RV Insurance Coverage

Apr 24, 2020 | Personal Insurance

RV Insurance Basics

RV or recreational vehicles have various types. Because of this, stand-alone policy for insurance coverage will not be sufficient for all types of RV. This means that your RV insurance coverage is separate from your car insurance policy. What your RV insurance can do if you have it is you get the protection you need during emergencies. These are some types of RV insurance coverage and how they play part in certain circumstances.

In most states, the amount of insurance coverage for a car has the same coverage as RV. Not getting an RV insurance may lead to fine, license cancellation, or even incarceration. Typically, your RV insurance policy has liability, comprehensive and collision, medical payments, uninsured/ underinsured motorist (UM/UIM) coverage among others.

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Types of RVs

The type of RV you choose to buy is essential. Why? Because the type of RV you’ll get will significantly affect your future insurance needs and should affect what type you choose. Do you want an easy-repair RV with many comfort amenities and a jazzy design? Or do you want a safer one that has low maintenance costs?

Here are the different types of RV:

Class A Motorhome

First, Class A motorhomes are among the biggest recreational vehicles available; they are comfortable for large families to travel in for extended periods.

Class B Camper Van

Second, Class B motorhomes, sometimes called “camper vans,” are small compared to traditional RVs but still include a living area, bathroom, and bedroom.

Class C Motorhome

Third, Class C motorhomes are distinguished from other types by the spacious bedrooms and storage facilities above the cab. Class Cs are more compact than Class As but provide a wide variety of amenities.

Expandable Trailer

Fourth, Pop-up campers, motorized RVs, and towable RVs fall under “expandables.” Extra room is created through slide-outs or additions, and the outside may be brought inside.

Fifth Wheel

Fifth, these trailers are preferred by full-time RV users because they are more stable while being towed. The use of an over-cab area allows for more living space.

Lightweight Trailer

Sixth, the desire for smaller, more fuel-efficient trailers that can be readily pulled by smaller cars is met by lightweights, which are yet packed with amenities.

Toy Hauler

Seventh, toy haulers, which may be either a Class A or Class C motorhome, a travel trailer, or a fifth wheel, provide shelter for the night and storage for your recreational vehicles, from motorbikes to full-size all-terrain vehicles.

Travel Trailer

Lastly, travel trailers are designed to be pulled by various vehicles and serve various purposes, from simple transportation to luxurious long-term living quarters.

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Primary RV Insurance Coverages

Liability Insurance Coverage

One of the types of rv insruance coverage is liablity insurance. Liability coverage pays for the damage your RV caused to another vehicle or another property. If your RV causes bodily injury to another person, your liability coverage will pay for hospitalization. This also includes follow up medical checkups and funeral costs. If the driver/ passenger of another vehicle seeks legal action, your liability insurance will pay for the legal costs.

Bear in mind that RV bodily injury per person varies in every state. For example, it is $15,000 bodily injury per person in California. In New York it’s $25,000 bodily injury per person. You can inquire from your agent what the minimum insurance coverage is as mandated by your state. 

Collision and Comprehensive Insurance Coverage

At times, there are instances when collision insurance has more limitations compared to comprehensive insurance that is why tying them together can be to your advantage. This is another type of rv insurance coverage. Collision insurance pays for the damage to your RV brought about by a collision with an object, for example, a pothole or a mailbox.

Comprehensive coverage repays you for the cost of the damage to your RV beyond driving situations like theft, fire, vandalism, falling objects, and weather conditions. Collision and comprehensive coverage also have deductibles, which is a chunk of your financial responsibility for declaring damage to your RV.

What makes collision and comprehensive insurance benefits are that you don’t have to worry about payments to cover for the cost of the damage and sometimes replacement of your RV but when you don’t have the insurance, you’ll be on your own figuring out financial resources.

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Uninsured/Underinsured Motorist Insurance Coverage (UM/UIM)

UM/UIM reimburses you if you got into an accident and the other driver who hit you doesn’t have insurance at all or doesn’t have enough insurance to pay your hospital bills, your damaged RV, and your lost wages. This coverage extends to funeral costs if another driver kills you in the event of an accident.

UM/UIM coverage has the similarity to liability and uses a split limit format where your insurance company covers different types of claims, for example, it will be broken down to bodily injury per accident, bodily injury per person and property damage by accident.

Some states have a legal requirement to get UM/UIM coverage while others do not have. It is best to check it with your insurance agent.

Medical Payments

The function of medical payments insurance is to cover your medical expenses should you or your passengers meet an accident in your motorhome whether you are or the other driver is at fault.

Any person outside of your family is not covered by medical payments insurance. This coverage is less expensive in comparison to the others and it can be a significant add-on if you have an existing health insurance policy with a high deductible. 

Note that medical payments insurance doesn’t cover travel trailer insurance policies.

Supplementary Types of RV Insurance

As mentioned, since RV insurance coverage is broad, it may not suffice for all types of coverage, and understanding the primary coverage of RV insurance is just the beginning. Here are other types of RV insurance coverage:

Full-time overage

If you use your RV both as your vehicle and residence then that makes you a full-time motorhome dweller. This means that your liability coverage has the similarity as that of a homeowner’s insurance coverage and will protect you in case a guest meets an accident in your RV. This type of coverage, however, provides higher personal liability and even higher medical payments for injured guests.

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Roadside assistance

Towing or filling up an SUV is much less costly compared to an RV so getting stuck in the middle of nowhere but having the suitable roadside assistance coverage is essential. Roadside assistance coverage can help you with the costs of dead battery replacement, fuel replenishment, electrical breakdowns, tire adjustments, and even the cost of towing.

Personal Property and Belongings Coverage

Regardless if your RV is parked or on the road, this coverage, up to the agreed amount, will protect your valuables such as mobile phones, laptops, athletic kits, camping equipment, and furniture. This is what stands out to your RV insurance coverage when you compare it to auto insurance which doesn’t normally cover personal property.

Emergency Expense Coverage

Planning for a vacation for a long time can be so much fun but it can also be a nightmare if your RV breaks down 80 miles away from your home. Your emergency expense coverage pays for your hotel accommodation and transportation during your trip.

Pet Injury Coverage

As the title implies, this covers for vet bills or meds for any pets injured while riding your RV. Insurance providers accept multiple pets for this coverage. However, many of these insurers will cover only domesticated animals such as cats and dogs.

Note that pet injury coverage is different from pet insurance coverage. Pet injury coverage applies when the pet sustains injury in a collision. Pet insurance coverage applies when the pet is sick or injured but not from a collision. Many of those collision and comprehensive insurance policies have a portion of pet injury coverage with no deductibles.

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We Can Get You the Type of RV Insurance You Need

We hope that we’re provided the knowledge you can use to know what would be the right coverage to keep you and everyone safe as you use your RV. Let our team get you covered.

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