FAQs about RV Insurance to Guide You

​There are a lot of insurance types that we fail to know but significantly helps us, like RV insurance. This type of insurance provides coverage for recreational vehicles (RVs) - a range of different motorhomes. Here is a list of the frequently asked questions (FAQs) about the RV insurance to guide you.

What is RV Insurance?
For starters, RVs are camper vans to bus conversions classified in Class A, B, and C. The costs of RV insurance depend on what class your vehicle belongs, stated in the following:

• Class A includes models such as the converted bus, luxury coach, and motorcoach up to 75 feet long.
• Class B is the smallest class of RVs that usually do not have a cab-over. It also includes camper vans, cargo van types, and travel trailers.
• Class C is the group that includes vehicles used as a standard cargo van made for the driving area of an RV, as well as the camper portion extending over the cab area. This class also consists of those of five-wheel vehicles.

What Are The Coverages of RV Insurance?
RV insurance protects many similar risks like those in auto insurance, like collision, liability, and comprehensive coverage. You can also purchase additional protection for your belongings, as well as attached accessories and equipment. Depending on your chosen insurance company, here are the other coverage options you can buy:

• Coverage for total loss replacement
• Coverage for emergency expenses
• Coverage for uninsured and underinsured motorists
• Coverage for full-time resident RVs
• Coverage for towing and roadside
• Coverage for camping sites and vacation

Why Is RV Insurance Important?
Due to the substantial investment you have made in your motorhome, getting RV insurance is the best choice you can make. It is also significant as these large vehicles can cause massive injuries and damages to other vehicles and properties in times of an accident. Imagine if you buy a new RV costing $30, 000 or more, and you didn't purchase a full replacement cost coverage, you might have to pay for a more severe cost if this RV got into an accident.

If you want to determine what type of RV insurance coverage you need, it is better to consult an independent agent to guide you. An insurance agent can help you learn and understand the requirements and specific terms while choosing a policy.

At AllRisk Auto Insurance, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (360) 693-4044 or Click Here to request a free quote.