How To Insure Your RV
Insuring your motorhome RV is a mandatory legal obligation. Plus, you will surely want to know that your mobile home is covered and it can be quickly repaired or replaced. Find more about how to insure your RV and get free car insurance quote from our website.
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 coverage will differ, depending on the class of your vehicle, how much you use it, whether you live in it full time and other related factors. RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get several add-ons for your personal belongings on board, equipment and attached accessories. Depending on the insurance company you choose, your additional coverage options may include:
- Total loss replacement coverage
- Campsite and vacation coverage
- Emergency expenses
- Towing and roadside assistance coverage
- Full-timer coverage , when the RV is your full time residence
- Uninsured and underinsured motorists coverage
You can easily get RV insurance, since most of the companies provide it. RV insurance is available through insurance agents, who will underwrite your policy through an insurance company. If you work with an independent agent, you’ll get the help you need to review several RV insurance quotes in one place.
Keep in mind that the cost of insuring your RV will depend on several important factors. The class model of the vehicle is one of the most important: Class A is the most expensive coverage followed by Class C, while Class B RVs are the least costly to insure. A Class A RV may cost around $2,000 dollar a year or more to insure, while a Class B may cost somewhere in between $1,000 to $2,000 dollars.
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