Insurance for

Class C Recreational Vehicles

Do you own a Class C motorhome, or are you thinking of buying one? If so, you will want to make sure you have the quality RV insurance for it before you hit the blacktop for your next vacation or weekend jaunt. 

With quality Class C motorhome coverage in place, you will be prepared for a breakdown, an accident involving another driver or wildlife, and even damage from a severe storm.

What Is a Class C Motorhome?

A Class C motorhome, or mini motorhome, is distinguished from the Class A and Class B RV’s in the following ways:

  • The vehicle is constructed on a cut-away van or truck chassis which also includes the cab
  • The Class C chassis comes with the cab as made by the manufacturer
  • The vehicle also typically has a sleeping compartment over the cab
  • Has full living quarters for sleeping and along with a kitchen and bathroom facilities
  • Can sleep up to 8 persons

These vehicles vary in size but are generally the size of a moving van. Some manufacturers are building Class C motorhome models that are extra large; they are constructed on a semi-truck chassis and can be as almost as large and lavish as a Class A motorhome.

How Much Is RV Insurance For A Class C Mini Motorhome?

Class C RV insurance rates for your mini motorhome will be dependent on the following variables:

  • The market value of the RV
  • The weight of the RV
  • Whether you use your RV part-time or live in it full time
  • How much the contents are worth
  • The location in which you reside or use your RV
  • Your driving record

Typically, most Class C owners will pay an average of $800 to $1000 per year to insure their vehicle. However, a more luxurious vehicle can cost up to $3000 to insure.

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Class C Coverage Options:

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.

- Class C Insurance -

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