RV Insurance
“A bad day camping is still better than a good day working” - Unknown
What exactly is RV insurance?
Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.
The three classes of RV:
Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long.
Class B: This is the smallest class of recreational vehicles. These vehicles don’t have a cab-over, and can even include cargo van designs, camper vans, as well as travel trailers.
Class C: This group covers 5th wheel vehicles or types of vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area.
What Does RV Insurance Cover?
RV insurance protects you, as a RV owner, from excessive out of pocket costs in the event of a loss or if you are at-fault in an accident that causes bodily injury and/or property damage. It can also provide reimbursement or up-front coverage for your costs if you have a roadside breakdown.
Let’s consider some accidents or trouble you could encounter with your motorhome on a vacation. Your RV insurance would likely cover you in the following ways:
If another driver collides with you but is not insured, if you have uninsured/underinsured motorists' coverage, your insurance company will pay for your damages. The amount of compensation you receive will depend on the amount of damage, your deductible, and the limits set in the policy itself.
If you are at fault for an accident, the other driver will file a claim with your insurance company. Your insurer will pay the claim up to the limits of your liability policy.
If your RV is disabled after a crash and has to be towed, your insurance will cover some or all of the costs of towing. (This is important as a lot of agents simply add pull-behind campers to an auto policy but most auto policies don’t include towing and/or roadside assistance for campers and/or trailers.)
To find the right RV coverage for your RV, contact Briteline Insurance. We can help you compare quotes from our array of top-notch carriers and find the right coverage for your needs.