If you just bought or are thinking about buying a Class A motorhome, you will need the right RV insurance coverage to protect your investment.
Your recreational vehicle is your home away from home, and in the event of an accident, hail damage or even theft, you’ll want to be able to restore your RV and get back on the road.
A Class A motorhome is the largest class of RV on the road. These vehicles can be as big as 40 feet long, sleep up to 10 people and can cost as much as $200,000. The amount you will pay for Class A recreational vehicle insurance is dependent on a variety of factors such as:
Motorhome insurance rates also depend on whether you are simply buying a conventional policy or are paying for extra coverage. Depending on your model of RV, you could pay as little as $500 for annual coverage, although the average premium is generally around $1000 to $1300 for a vehicle used 140 days per year.
Covers the costs associated with any injuries or property damage you’re responsible for due to an accident.
Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
Formally known as “other than collision,” this portion of your policy covers damage to your vehicle from things like theft and weather damage.
Pays medical bills and other expenses whether you’re at fault or not
Protects you financially if the other driver doesn’t have any car insurance or not enough to pay for all expenses.
Pays to replace your RV in the event of a total loss. This is usually only available for brand-new RVs that have never had a previous owner.
Covers physical damage or theft.
Covers vet fees for an injury to an animal or replacement costs for death.
Covers the cost for a professional to help fix covered problems or to tow your vehicle to a repair shop.
Coverage helps to repair or replace things like antennas and awnings.
Covers personal property like dishes and sporting equipment.
Covers the cost of bodily injury or property damage that occurs when the RV is being used as a temporary residence.