The RV Owner's Guide to Insurance

When the open road calls, there’s nothing better than driving off in your recreational vehicle (RV). Your RV is more than a car but not quite a home, so it can be challenging to find the right coverage for your home on wheels. Whether you plan on using your RV as a full-time home or for occasional road trips, RV insurance is a must.

What is RV insurance?

Insuring your RV with a typical auto policy could leave you with a significant coverage gap. That’s why it’s important to insure your RV with a specialized policy that covers the things that an auto insurance policy would typically miss, such as:

• Comprehensive coverage: Comprehensive coverage pays for damage due to causes other than collision, such as fire, theft, hail, vandalism and more.
• Special equipment coverage: Your RV might have special equipment such as a refrigerator, generator or water pump. You can customize your RV policy to include additional limits for these specialized items.

What kind of RV insurance do I need?

At a minimum, you’re required the same amount of liability coverage that’s required for a car. There are three class types for RVs, and your RV’s class  will help your Farm Bureau agent determine how much coverage you need:

• Class A: This class of RV can be up to 75 feet long. A luxury coach, motor coach and converted bus are included in this class. These types of RVs are also typically the most expensive to insure.
• Class B: These are the smallest class of RV and typically the least expensive to insure. Class B RVs do not have a cab-over, so the front of the vehicle looks like a standard auto. Cargo vans, travel trailers and camper vans are some examples of RVs in this class.
• Class C: This class of RV typically have a cargo van as the driving portion of the vehicle.

How much does it cost to insure an RV?

To determine how much your RV insurance will cost, most companies take these factors into consideration:

• Type of RV
• The age and condition of your RV
• Your experience driving an RV
• Accidents and traffic violations
• Where you live
• How many claims you file

When you meet with your Farm Bureau agent, you’ll go over all of these factors and find the coverage that meets your personal needs.

Ready for a quote? Bring these things:

If you’ve read through this guide and you’re ready to get a quote, make sure to have the following information handy:

• Year
• Make
• Model
• Length
• Current market value
• Approximate number of days you’ll use your RV each year
• Motor type
• Storage location

There’s so much to explore when you’re cruising around the country in your RV. It’s your home away from home so make sure make sure it’s properly covered. Once you’re insured and ready to explore, check out this list of 10 National Parks to Visit in Your RV.