Recreational vehicle insurance is coverage for recreational vehicles, also known as RVs. These vehicles are usually for long-distance travel, so they cost more to insure compared to other passenger vehicles. The focus of this insurance is on making repairs and upgrades to RVs following accidents or other damage.
You must have a Class A, Class B or Class C motor home as established by the department of motor vehicles. If you fit the criteria, then you can get RV insurance. This insurance also covers RVs that are hauled on the back of other vehicles. The difference is that RVs that are towed usually do not require as much insurance coverage as motorized RVs.
The cost for RV insurance depends on things such as the age and condition of the vehicle. Propane tanks and other flammable liquids stored in RVs could lead to fires, so that might increase the premiums. Insurance companies also consider the distance that an RV is scheduled to travel. Also, keep in mind you will likely need reports from police officers and park rangers in order to file a claim.
Coverage is different for motorized RVs and towable RVs. Motorized RVs must have liability and uninsured motorist coverage. Towable RVs must have collision and comprehensive coverage. However, you can add additional coverage.
If you’re going to travel in an RV, then you need recreational vehicle insurance.