Getting to Know Recreational Vehicles Insurance
Recreational Vehicles (RV) insurance is the coverage that is designed for your tent trailer, travel trailer, camper unit, and a motorhome in a case of theft or damage. These recreational vehicles are categorized in classes: Class A, B, and C. This means that vehicle class and how often you use it if you live there full time, among other factors will determine the RV insurance.
Class A – It’s for models such as luxury coaches, motor coaches, and converted buses. The vehicles should be up to 75 feet in length.
Class B – This is the category for small recreational vehicles that don’t have a cab-over. It may also include travel trailers, cargo vans, and camper vans.
Class C – This class covers all the fifth wheel vehicles.
What RV Insurance Covers
Recreational vehicles insurance covers risks such as comprehensive, collision, and liability coverage. One also gets additional protection for all the personal belongings on board, attached accessories like satellite dishes, and equipment. Coverage options may differ depending on the insurer. Common ones may include:
• Emergency expenses
• Vacation and campsite coverage
• Loss replacement coverage
• Full-time coverage in case the RV is your residence
• Underinsured and uninsured motorists coverage.
This insurance will protect the recreational vehicle owner from out of pocket costs if a loss occurs or if one is involved in an accident that has caused property or bodily damage. It also offers compensation for expenses if one has a roadside breakdown.
Here are some examples of how this kind of insurance works:
• If you have underinsured/uninsured motorists coverage then an insured vehicle collides with you, your insurer will cover the damages. The compensation you get will depend on the deductible amount, damages, and the policy limits.
• If an accident occurred and you were at fault, the other driver can file a claim, and your insurer will pay up to the limits of the liability policy. You shall pay costs for injuries, damages, legal fees, or any other expenses.
• In case the RV gets disabled after an accident and needs to be towed, the policy can cover some of these towing costs.
Recreational insurance is essential and beneficial since you have already made an investment when buying your RV and you need coverage in case any theft or damages occur. It’s also important because large vehicles cause major injuries and more damage to other autos or properties.