RV Insurance FAQ

Everything you've ever wanted to know about RV insurance, in a convenient FAQ.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

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RV insurance is necessary for owners of recreational vehicles who want to keep their investments protected. But it can also be a complicated, confusing coverage. That's why it's important to know the details about this insurance before you ever start searching for a policy.

No matter how you use your RV, these frequently asked questions can provide helpful guidance. An independent insurance agent can also answer your remaining questions and help you find the right RV insurance for your needs. But for starters, here's a big list of all the questions you might want answered about RV insurance.

What is RV insurance?

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by Class A, B, or C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time, and other factors.

The classes of RV include:

Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long.

Class B: This is the smallest class of recreational vehicles. 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 van as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.

What does RV insurance cover?

RV insurance covers many similar risks to auto insurance, including collision, comprehensive, and liability coverage. You can also get additional protection for your personal belongings on board, for equipment, and attached accessories such as awnings and satellite dishes. 

Depending on the insurance company you choose, your additional coverage options may include:

How does RV insurance work?

RV insurance protects you, as a recreational vehicle owner, from excessive out-of-pocket costs after a loss or if you're at fault for an accident that causes bodily injury or property damage. It can also provide compensation for your costs if you have a roadside breakdown.

Your RV insurance could cover you in the following ways if you took it on vacation:

How much does RV insurance cost?

The cost of RV insurance varies widely. Your RV insurance policy's premiums depend on several key factors, like:

A Class A RV may cost around $2,000 per year or more to insure, while a Class B may fall somewhere in between $1,000 to $2,000.

Why is RV insurance important?

RV insurance is an important coverage because of the large investment you’ve made in your motorhome, and the amount you could stand to lose without it. It's also important because RVs are large vehicles that could cause major injuries and significant damage to other vehicles and property in an accident.

If you bought a new RV costing anywhere from $30,000 to over $200,000 and hadn't purchased full replacement cost coverage, you could be hit with significant costs if it got totaled in an accident.

Is RV insurance required?

Like car insurance, RV insurance is required in every state. All states require a minimum amount of liability insurance. In addition, some require uninsured and underinsured motorists coverage. 

Collision and comprehensive insurance limits are determined by you, the policyholder. Be sure to consider how you'll cover your costs if you get into an accident and don't have adequate coverage.

You might experience additional coverage requirements if:

How much RV insurance do I need?

The amount of RV insurance you need depends on several factors, such as:

Additionally, the amount of RV coverage you need depends on the assets you want to protect in case of a lawsuit. For help determining how much RV insurance you need, contact an independent insurance agent. An independent insurance agent help you learn about the requirements in your state as well as the specific risks you may face.

Where can I get RV insurance?

RV insurance is available through independent insurance agents, who underwrite your policy through an insurance company. If you work with an independent insurance agent, you'll get the help you need to review several RV insurance quotes in one place.

Find a local independent insurance agent in our network today for help finding the right RV coverage to protect you wherever you go.

Who sells RV insurance?

RV insurance is available through many carriers, but finding coverage can also depend on your specific area. Here are just a few of our top picks for RV insurance:

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Why Are Independent Insurance Agents Awesome?

It’s simple. Independent insurance agents simplify the process by shopping and comparing RV insurance quotes for you. Not only that, but they’ll also cut the jargon and clarify the fine print, so you know exactly what you’re getting.

Independent insurance agents also have access to multiple insurance companies, ultimately finding you the best RV coverage, accessibility, and competitive pricing while working for you.

https://www.irmi.com/term/insurance-definitions/vacation-liability

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