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Recreational Vehicles

Recreational Vehicles Insurance Policies

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When you buy a car, you usually call your insurance agent to add the vehicle to your existing automobile policy. However, if you purchase a recreational vehicle, your regular automobile policy does not provide coverage. You need a special kind of insurance called recreational vehicle insurance.

Recreational vehicles provide an affordable and convenient way to travel around the country. Purchasing a recreational vehicle is a significant investment. It is important to purchase an adequate amount of coverage to protect your vehicle.

Recreational Vehicles Insurance offers coverage for motorized and towable recreational vehicles for loss or damage. There are three classes of recreational vehicles - Class A, B and C. Class A vehicles include luxury coaches, converted buses and motor vehicles up to 75 feet long. Class B vehicles include small travel trailers, camper vans and cargo vans that do not have a cab-over. Class C vehicles include fifth wheel vehicles and standard cargo vans with cab-overs.

Insurance for recreational vehicles offers the same type of coverage as that for automobiles. This includes:

  • Liability for damage to property and bodily injury.
  • Collision coverage.
  • Comprehension coverage for loss associated with theft, falling objects and fire.
  • Coverage to protect your personal belongings in the RV.
  • Medical payments if you or your passengers are injured.
  • Personal Injury Protection (PIP) to cover lost wages, medical bills and funeral expenses caused by an accident.
  • Emergency roadside assistance and towing.
  • Total loss replacement coverage.

Although the average recreational vehicle policy is $2000 per year, the benefits of having the insurance are well worth the price. The primary benefit of having insurance for your recreational vehicle is the total loss replacement coverage. If you spend $200,000 for a recreational vehicle, the out-of-pocket cost associated with replacing the vehicle can leave you with significant expenses. In addition, if you get into a serious accident that causes significant damage, having inadequate coverage leaves you open to getting sued.

It is essential to get insurance for your recreational vehicle. Not only is it the law, but it is your responsibility.


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