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Is an RV Right for You?

Now that summer is on its way, travel follows with it. What better way to travel than with your RV?   If you are thinking about getting an RV, be sure that you choose the one that is right for you. Before you go out on the road, be sure to review your insurance coverage options and get the policy that protects you best.

Insurance Coverage Options

It takes more than just auto insurance to protect your RV.  Here are some coverage options that you will need to consider.

Liability

Helps pay for medical bills and property damage if you cause an accident.

Collision

Helps to repair damage to your RV after an accident you caused.

Comprehensive

Pays for non-collision damage (vandalism, theft, falling objects, fire, storms, natural disasters)

Uninsured Motorist

Covers you if you are in an accident with someone who has no insurance.

Roadside Assistance

Covers towing if you are a certain distance away from home.

Total Loss Replacement

Usually only available on untitled RVs up to one model year old.

Vacation Liability

Pays for damage and bodily injury resulting from an accident while RV is used as a vacation residence.

Personal Effects

Covers your personal belongings in the event of a loss.

Pet Injury

Covers injury to your pet in the event of an accident.

Custom Equipment

Covers damages to upgraded parts and equipment.

Policy Types

Full-Timer Policy

This type of policy is for people who live in their RVs and have no other residence.  It provides liability coverage like a homeowner’s policy and will protect covered losses associated with parking an RV or using it as a permanent residence.

Part-Timer Policy

If you only use/live in your RV for a small part of the year, then a Part-Timer or Campsite policy is for you.  This type of policy will cover you for many of the same things that Full-Timer policies do, with some differences.

RV Types

Now that we know what RV insurance covers, we need to know what kinds of RVs are out there.  This week will be all about types of RVs, so you know which one is the right one for you.  Let’s get started!

Class A Motorhome

  • Range from 21 – 40 feet in length
  • Equipped with a diesel engine
  • Can sleep up to 8 people
  • Equipped with the highest quality kitchen and living areas

Class C Motorhome

  • Range from 20 – 33 feet in length
  • Can sleep up to 6 people
  • Are equipped with similar Class A amenities
  • Sleeping area located above the cab

Class B Motorhome

  • Also known as the “camper van”
  • Range from 16 – 21 feet in length
  • Can sleep up to 4 people
  • Fully equipped with a kitchen, living room and bathroom

Fifth Wheels

  • Range from 22 – 40 feet in length
  • Are towed by a pickup or medium sized truck
  • Part of the trailer body extends over the truck bed
  • Sizes vary
  • Have tons of space
  • Allow for storage and additional amenities

Travel Trailers

  • Range from 10 – 40 feet in length
  • The most recognizable RV on the road today
  • Also known as a “camper”
  • Designed to be towed
  • Multiple styles and floorplans available

Toy Haulers

  • Created to be part living space, part garage
  • Allows for the transport of other personal recreation devices
  • Includes amenities available in all other types of RVs

Pop Up Trailers

  • Range from 8 – 16 feet in length
  • Very light weight
  • Very affordable
  • Compact and can be stored in your garage
  • Folds into itself for easier storage and towing
  • Alternative to a tent

We hope that this information helps you in making an informed decision about whether an RV is right for you.  As always, if you have questions about insurance, contact us!

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Let Us Work For You

Bill Abbott has found that 43% of other clients are overpaying for their insurance and 26% have missing coverages.
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