Call Us 800-282-9766 ☰ ˟
Logo
Call Us 800-282-9766
  • Home
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
    • Claims After Hours
    • Auto Insurance Quote Request
    • Home Insurance Quote Request
    • Our Providers
    • Holiday Hours
  • Get A Quote
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
      • Flood Insurance
    • Other Personal InsuranceImage of right arrow
      • Cyber Lyability
      • Identity Theft
      • Personal Umbrella Insurance
    • Farm InsuranceImage of right arrow
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Disability Insurance
      • Child Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
      • Wedding Insurance and Special Event Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Liquor Liability Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Self-Storage Insurance
      • Snow Plow Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Inland Marine Insurance
      • Marine Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Contact Us
    • Contact Us
    • Our Locations
Home > Blog > How Much RV Insurance Do I Need?
TUESDAY, NOVEMBER 23, 2021

How Much RV Insurance Do I Need?

If you have a recreational vehicle, you will need a specific insurance policy tailored for it. A normal auto insurance policy may not cover your RV as needed. However, not every RV insurance policy is created equal, either. You will need to make sure that your policy is geared to fit your RV. 

Coverages for RVs 

There are different types of coverages available to cover your RV against various dangers. These coverages may depend on the class of your RV. Classes include: 

  • Class A: Class A RVs include luxury coaches, converted buses and motor coaches. It may include vehicles up to 75 long. 

  • Class B: Class B RVs are the smallest class without cab-overs. This class includes cargo vans, travel trailers and camper vans. 

  • Class C: Class C RVs include standard cargo vans with a camper portion extending over the cab area, fifth wheel vehicles and more. 


Depending on how you use your vehicle, you may need additional coverage, as well. Typical coverage available under RV insurance may include: 
rv hauling boat
  • Comprehensive Coverage: Comprehensive coverage provides compensation for physical damages to the RV caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not including collision. 

  • Collision Coverage: Collision coverage provides compensation for damages to the RV caused by a collision with another vehicle or object. 

  • Liability: Liability insurance covers bodily injury and property damage you may cause while operating the RV. 

  • Medical Payments: This insurance covers medical bills you and your passengers may face after an accident, no matter who caused the accident. 

  • Uninsured/Underinsured Motorist: This insurance covers damages and injuries that occur in an accident involving another driver who is not carrying enough insurance to cover the damages. 

  • Campsite and Vacation Coverage: Campsite and vacation coverage provides compensation for liability issues that may occur on or around your RV while it is parked at a campsite or other vacation spot. 

  • Roadside and Towing: Roadside assistance and towing offer compensation for trip interruptions. 

Coverage for liability under RV insurance generally begins at $1 million, although higher limits are available. You can also choose different limits and deductibles for physical damage to your vehicle. A higher deductible can save you money on monthly premiums, but it also means paying more out of pocket before receiving compensation for an RV insurance claim. 

If you are unsure of how much you should insure your RV for, be sure to speak with your insurance agent. 

Posted 12:53 PM

Tags: boat insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021

  • boat insurance(4)
  • auto insurance(4)
  • life insurance(3)
  • business insurance(3)
  • home insurance(2)
  • rv insurance(2)
  • business(1)
  • homeowners insurance(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Blog| About Us| Contact
109 S Saginaw St | Byron, MI 48418
Ph: 800-282-9766 | Fx: 810-266-4031
Social
Logo

Powered by Insurance Website Builder