There are many different types of recreational vehicles, all separated into classes. Knowing what class your RV falls into can help you determine what type of insurance you need on your vehicle.
Class A RVs are generally big rigs at least 20 feet long or longer. Some of these have the space to allow 8-10 passengers to sleep. Class A RVs are typically luxury, bus-like vehicles. A good example is a tour bus. The larger the bus (and the more passengers able to fit inside), the more insurance you may need to cover liability and medical payments for the individuals inside.
Class B RVs are usually smaller than Class A RVs, although they can still be used for travel and often come with a bed, toilet, storage and even small kitchens. These RVs are often used as campers and called sleeper vans or campervans. While smaller RVs may not present as much danger as larger RVs, you may still need additional insurance to cover against potential danger. Campsite and Vacation Insurance is available for RVs to give you additional liability insurance for accidents that may occur while your RV is parked at a campsite or other vacation spot.
Class C are large, comfortable RVs similar to Class A RVs. These RVs are luxury vehicles that are normally less expensive and more fuel-efficient than Class A vehicles. The main difference, however, is that Class C RVs have a camper over a regular truck chassis.
Different classes are geared toward different purposes, so it is important to know what type of recreational vehicle you need before you go shopping. If you want a large, luxurious RV and don’t mind low gas mileage, a Class A RV may be appropriate for you. On the other hand, if you want a smaller RV purely for travel and camping, you may lean toward a Class B RV.
Keep in mind that your intentions in using your RV may also affect your RV insurance. Do you plan to live in your RV for a short amount of time? If so, you may need Full-Time RV Coverage, which provides coverage for RVs that are being used as a permanent residence.
Speak with an insurance agent about what kind of insurance is best for the class of RV you choose. RVs can be expensive and it is important to protect your assets both on and off the road.
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