Have you ever dreamed of owning an RV? Your home away from home, your home on wheels, your instant vacation… Having it road-ready gives you the freedom to prepare for spontaneity – just add food, family and fun. One of the most important steps for good preparedness is getting the right insurance.
What kind of insurance do you need?
That depends on the type Recreational Vehicle (RV) you have and how you will be using it. There is a wide range of motorhomes, from camper vans to bus conversions, and they’re organized by classes: Class A, B and C.
Class A: This includes luxury coaches, converted busses and motor coaches. These vehicles can be up to 75 feet long.
Class C: Vehicles that use a standard cargo van as the driving portion of the RV where the camper portion extends over the cab area. Also covers fifth wheel vehicles.
Is an RV insurance policy the same as an automobile insurance policy?
An RV policy covers some of the same basics as an automobile insurance policy but has a lot of valuable extras. Some are automatically included and some can be purchased to customize your policy:
How they’re similar
Liability – for damage your actions cause to another person or their property while operating your vehicle.
Comprehensive coverage – for repairing or replacing your vehicle for non-collision-related incident, theft or accident.
Collision coverage – for repairing or replacing your vehicle after a collision related accident.
Uninsured/Underinsured Motorists Coverage – to help cover your damages in the event of a not-at-fault accident when the liable party has no or insufficient coverage.
How they’re different
Liability Coverage for Visitors and Others:
Full-timer Liability – Provides liability coverage similar to homeowner’s insurance when the motorhome is parked and is used as a residence. The coverage includes emergency treatment and medical expenses for others injured in or around your RV.
Campsite Liability – Similar to full-timer liability, but it’s designed for when you primarily use your RV for travel and vacations.
Total Loss Replacement – Applicable to new RV’s in the first five model years to afford protection against steep RV depreciation, in case of total loss. (This is similar to gap insurance on an automobile).
Coverage for Personal Belongings – for personal effects, clothing and other items you carry with you. Most policies come with a built in limit but increased limits are available for those who need it.
Coverage for Permanent Attachments – for the fittings your RV is outfitted with that are permanently attached whether they are factory or aftermarket.
Hitch Assembly Coverage – for alterations or special gear installed to hitch onto the tow vehicle.
Emergency Expenses – for reimbursing expenses such as lodging, meals, and travel for living outside the RV while it is being repaired as a result of a covered loss.
Is it expensive?
Insurance companies that specialize in RV insurance offer motorhome-specific policy features that standard auto insurance policies do not. The price of the coverage may also be based on the recreational use of the motorhome rather than treating it the same as auto risk because they take into account that RVs are not used with the same frequency as commuter vehicles.
Rates are determined by the state in which you register, the value of your motorhome and, in the case of full-timers, how often it’s on the road. Lee, Hill & Rowe Insurors represents multiple insurance companies and will explain the options, and help you choose a tailored RV insurance policy to match your specific needs. Call us for a free quote at 912.525.3360.
A. Yate for Lee Hill & Rowe Insurors
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