RV insurance covers all kinds of vehicles referred to as recreational vehicles.  Examples of such vehicles are bus conversions and camper cans. All these vehicles are classified as motorhomes. They are also categorized into classes, which are Class A, Class B, and Class C. 

When taking recreational vehicle insurance, you should know that it covers all these categories of vehicles some of the factors that can determine the type of insurance you go for on an RV can be determined by several factors. Some of the factors are:

• The class of the RV you have
• How frequently  you use the RV
• Do you live in the RV full time or not
• Etc

Some of the available classes of RVs are described below:

• Class A:  This refers to a group of RVs like motor coach, converted bus and luxury coach. Vehicles in this class are about 75 feet long.
• Class B: It is considered as the smallest of all RV classes. RVs in this class do not come with cab cover. They equally come in a design like that of a cargo van, camper van or travel trailer.
• Class C: This groups of RVs concerns those vehicles that come with cargo vans representing the driving aspect of the RV, while the camper portion of the vehicle is built in such a way to extend above the cab area. Fifth wheel vehicles are also categorized into this class of RVs.

You need to know the particular class into which your choice of RV belongs to before you go for RV insurance.  In case you do not know how to choose correctly when buying an RV, just connect with experts in this area to assist you. You can also get help from professionals if you do not know the right insurance coverage that will meet your needs.

What does the insurance cover?

You need to know the specific things that an RV insurance covers and we are going to enlighten you about that in this section of the write-up.  The insurance on an RV covers virtually all the types of risks that you can find in an insurance package.  Some of the risks include the following:

• Liability coverage
• Comprehensive coverage
• Collision converge

 The insurance cover can equally include coverage for your personal belongings in the RV, as well as the equipment that you have on board when the incident occur and other accessories attached to the RV, including satellite dishes and awnings.  

 Some of the commonly included coverage options in RV insurance can include the following:

• Under-insured or uninsured motorists coverage
• Full-time coverage if the RV serves as a full-time residence for you
• Roadside and towing coverage
• Emergency expenses
• Vacation and campsite coverage
• Total loss replacement coverage

How does the insurance work?

The purpose of insurance on RV is to protect the owner.  The protection ensures that the RV owner does not have to spend a lot of money out of pocket in case anything goes wrong with the RV.

The insurance company will be saddled with the responsibility of bearing all the costs in case the RV is involved in an accident.  In case the accident causes bodily injury to the RV owner. The RV insurance will also cover this and the insurance company will have to foot the hospital bill.

Even if your RV is involved in property damage in the course of the accident, the insurance company will be responsible for paying compensation to the victims.

 Additionally, the insurance on the RV can cover roadside breakdown; the insurance company will pay you compensation for the cost you bear as a result of this. So, the cover is simply numerous.

Check below for examples of how your RV insurance can cover you:

• If you are having an under-insured or uninsured motorist coverage and you are hit by another driver, who is not insured, your insurance company will be the one to be responsible for paying for any damage that can occur on your vehicle.  The amount you will be paid as compensation will depend on the extent of the damage, as w ell as the limit set on your insurance policy and your deductible amount.
• If you are the one that is at fault in the accident, the victim will contact your insurance company to pay for damages caused by you. The amount the insurer can pay the other party in this regard depends on the limits permitted by your liability policy. If the cost of the damages incurred is more than the limits of your liability policy, then you will have to pay for the remaining cost of the damages incurred out of pocket, like cost of judgment, legal fees, injuries and damage.
• If the accident cause your RV to be disabled and you are compelled to tow it, the RV insurance will cover some or all the costs you incur in the towing.
• If someone steals your RV or an animal cause damage to the RV or it is damaged by hails storm.  You will be covered adequately for the damages by your insurance policy for your losses.  This will, however, only happen depending on your deducible and the amount to be paid depends on the dictates of the limits that you have earlier selected in your insurance policy. 

What is the cost of RV insurance?

The cost of insuring your RV will depend on several factors and some of the factors are highlighted below:

• The class of your RV can determine the cost of insurance. This means that Class A, Class B and Class C models of RVs will cost differently.  Conclusively, Class A will be the most expensive followed by Class C and then Class B. Yes, Class B cost the least.
• The frequency of using the RV can also determine how much you pay on RV insurance.   Those living in their RV permanently will pay higher cost of insurance than those who only use their RVs occasionally.
• The driving history of the RV is also one other factor you should consider when you going for an insurance policy for your RV.  The accident record or past claims will equally play a very important role in the cost of insuring the RV.
• Your policy limit is very important in determine if the cost of insuring the RV; this is the same with the deductible amounts.  Bear in mind that the overall cost of the insurance policy will be lower for those who choose higher deductibles. However, the out of pocket cost will be higher if you need to file a case in this regard.   
• Will the RV be driven by other individuals aside from you? This can also determine the cost of the RV insurance.  The insurer will equally consider if you will bring on board personal belongings. Considerations are equally given to towing and roadside assistance coverage and others.

 If insuring a Class A RV costs around $2,000 per annum, for example, insuring a Class B RV can cost between $1000 and $2,000.

What makes Recreational vehicle insurance very important?

You must have spent a lot of money on procuring the RV. It is only sensible that you spend some token to insure the vehicle.  This way, your investment will not be at a risk.  Accidents can happen at anytime and anywhere. 

RV insurance will help you to guard against such accidents.  The insurance will also protect you either your RV is responsible for the accident or not.  Any vehicle or property damaged in the course of the accident will not cost you a dime to repair.

If the cost of purchasing your RV is $30,000, for example, you can end up incurring a huge debt if the RV gets involved in an accident if you fail to get an insurance cover for it. Bear in mind that some RVs can even be as expensive as $200,000. It is unimaginable to put such an RV on the road without a proper insurance.

Am I required by the authority to get insurance for my RV?

Every state requires that auto owners get insurance for their RVs; this is the case with car insurance.

So, you just must get insurance for your RV if you do not want to be on the wrong side of the law. Every state insists that RV owners get at least the minimum amount of liability insurance.

Bear in mind that the standards and rules differ from one state to another. Some states in the United States demand that RV owners also get uninsured and underinsured motorist coverage.  

You, the consumer, will be the one to determine the comprehensive and collision insurance limits. Before you do this, first take some time to consider how you will cover your cost in case your RV is involved in an accident and lacks adequate coverage.

 You will be required to get additional RV insurance requirements under the circumstances highlighted below:

• If the RV you want to use is rented
• If you are using your RV as a permanent residence. You will be required to get full-timers insurance in this situation. The full  timers insurance is similar to what obtains in homeowners instance 
• If you take a loan to finance the purchase of the RV. The additional requirement in this regard will be demanded by the money lender. In this case, you will be required to buy RV insurance even before you can have access to the money you want to borrow for purchasing the RV. 

How much insurance do I need for my RV?

Some of the factors that determine the amount of insurance you need for your RV are highlighted below:

• Check the requirements that prevail in the state  where you are residing
• Consider the particular class of your motorhome
• Consider where you will frequently travel to in your RBV and whether or not you will cross from one state to another.  You should also consider if you will be crossing borders form one state to another.
• The cost can be determined by how often you will be using the RV. Will you use it full time or part-time?
• Those who have customer features on their RVs can also end up paying higher amount. The custom features can incur a higher repair cost.

The asset you desire to protect can equally determine the amount of RV insurance you opt for in the event of a lawsuit or liability claim.

In case you still need assistance with the determination of the cost of insuring your RV, you can communicate with a reliable insurance company and their experienced staff can assist you in this regard, providing you with helpful information that can assist you in making the right insurance decisions.

Get insurance discount     

Are you a full -time RVer or you are just a nominal user?  It is possible to get affordable coverage capable of protecting your interest.  All you need to do is to pattern with the right insurance company.  

There are so many of them out there in the united states that are offering insurance policies on RVs.  You will need to shop around a bit before you can get a good insurance policy that will help you to make some savings.

All you need to do is to make a list of the various insurance companies around you and pick one that offers the highest discount.  While it is good to get an insurance company assisting you with money saving, you still must be careful how you choose among the insurance companies since some of them offering great discount may not be known for top quality services.

So, you should consider more than just the issue of discount when choosing an insurance company for RV insurance.  Take some time to read up a review about them. When reading up the reviews, make sure you only focus on the information provided by neutral sources so that you can get the right information that can help you to make the right choice among the insurance companies around you.