Motor vehicles differ from travel trailers in that they are designed to provide living quarters and are permanently attached to a motor vehicle chassis or van. Your insurance professional can help you choose coverage.


What are some RV insurance essentials?


Your RV policy will provide a wide range of protections, including:


  • Property
    RV insurance protects recreational vehicles and motorhomes in the event an accident causes damage requiring repair or replacement.


  • Liability
    If you cause the accident, you’ll take advantage of the liability coverage that is required in most states. Liability covers damage to property, hospital and other medical-related costs — and even any legal fees involved.


  • Coverage for uninsured and underinsured motorists
    This coverage protects you in case you’re involved in an incident with a driver who is uninsured or underinsured or otherwise lacks the funds to compensate you.


How much RV insurance is enough?


Base the amount of RV insurance you need on how you use your vehicle. For example, a vehicle intended for full-time use needs more coverage than a vehicle intended for use only during an annual vacation.


Like homeowners, full-time RV operators will need liability coverage to protect in case someone is injured or suffers property damage while on your rig.


Furthermore, if you actually live in your motorhome, you’ll want to consider personal property protection. In that situation, you’re really more like a homeowner than a driver. Items that you would consider valuable at home are just as valuable while you’re on the road — perhaps more so.


Common RV classes and types


The RV policy you decide to purchase will depend on the type of motorhome you own. Here are the common classes and types:


  • Class A
    These are the most common motorhomes on the road. They provide a completely self-contained living experience, but they’re also the largest vehicles of their type, and that means they’re the hardest to park.


  • Class B
    RVs in Class B are smaller — more like vans that have been equipped with features that make extended stays in them easier


  • Class C
    These midsized RVs are based on various truck and van models — they’re more like a lower-budget version of a Class A vehicle.


  • RV/bus conversion
    Sometimes owners with the right skills covert old school or commercial transportation buses into RV.


  • Towable motorhomes
    Sometimes called travel trailers, these towable RVs are often attached to trucks (even cars) with a trailer hitch.


  • Fifth-wheel hitches
    These large RVs are attached to a pickup trucks “fifth wheel hitch,” which fits in the bed of the truck. This is a strong, stable connections that permits a separate vehicle to tow a large, comfortable RV.


  • Truck campers
    These are the most cost-effective of all RVs. Usually they’re just campers that are attached to a truck bed to create a small space for sleeping and storing equipment. These can be a handy, “go-anywhere” type of equipment for people who don’t mind a little bit of roughing it!