What Types of Vehicles Are Covered Under RV Insurance?

Recreational vehicle (RV) insurance may cover damage to the RV and liability for injuries or property damage caused to others while using the RV. A policy can include various coverage options depending on how the RV is used, such as for recreational trips or as a full-time residence.

What Vehicles Can Be Covered by RV Insurance?

RV insurance may cover various vehicles used for recreation and travel. Here are some of the most common types:

• Class A, B and C motorhomes
• Travel trailers and fifth wheels
• Camper vans and pop-up campers
• All-terrain vehicles (ATVs)
• Snowmobiles
• Toy haulers

Why Is RV Insurance Important?

Standard auto insurance typically does not cover incidents and risks associated with RV living. RV insurance can include features such as:

• Total loss replacement or agreed value coverage
• Personal effects coverage for belongings inside the RV
• Vacation liability for accidents at your campsite
• Emergency expense coverage for lodging or transportation if your RV is damaged away from home

What Factors Impact Cost?

RV insurance premiums depend on a few factors, including the type and size of your RV, how often you use it, your location, driving history and past insurance claims. Your deductibles and the kind of coverage you choose may also influence the cost. An insurance agent can provide accurate pricing and help you find suitable coverage.

How Our Team Can Help

Variety Insurance Agency works with Arkansas residents to assess their recreational vehicle needs and recommend suitable coverage. We can answer your questions and help you compare policies. Contact us today to get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.