What types of motorhome policies are available to RV owners?
Insurance companies offer several different types — or classes — of motorhome insurance policies. The class that RV owners needs primarily depends on the size/style of their vehicle:
- Class A typically provides coverage for larger RVs and converted buses
- Class B typically provides coverage for medium-sized RVs, camper vans and travel trailers
- Class C typically provides coverage for smaller RVs and fifth-wheels
An insurance agent who specializes in motorhome policies can help RV owners determine which class they need to purchase.
Do RV owners need a motorhome policy that has personal property coverage?
Most homeowners have coverage for their belongings through their homeowners insurance policy, which normally includes personal property coverage. Whether the coverage extends to when belongings aren’t at the house, however, depends on the particular policy.
If a homeowners policy covers belongings when they’re not at the house, then RV owners may not need to purchase additional personal property coverage through their motorhome policy. If a homeowners policy doesn’t cover belongings away from the house, then personal property coverage probably should be included within a motorhome policy.
For full-time RVers who don’t have a primary residence, personal property coverage is normally needed.
A knowledgeable insurance agent can help RV owners determine whether they need this particular coverage.