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Purchasing Insurance for a Motorhome

Purchasing Insurance for a Motorhome

Owning a motorhome can be a great way to travel the country and go to some of your favorite spots. It can help you to save money by not having to spend money on hotels and flights. You can even save on your food expenses. However, you will need to make sure that when you purchase a motorhome, that you know everything there is to know about insuring them.

What is RV Insurance?

Motorhomes are required just like any other vehicle to have liability insurance. If you are financing your motorhome, you will also be required to have full coverage insurance. RV insurance works just like your auto insurance. It will help to protect you if you are in an at-fault accident, and it will also pay your damages if you are hit by an uninsured driver.

Things motorhome insurance covers include:

• Vandalism
• Storm damage
• Liability premise injury claim. This is when you live in an RV full time and have people over. If they get injured, this insurance will protect you.
• Lawsuits that happen because of accidents
• Theft

Knowing Your Class of Motorhome

Before you get your motorhome insurance, you will want to know what class you are in. Knowing the class your motorhome is will help to determine how much you will pay each month or year for insurance. Classes are:

Class A

A class A motorhome is the largest of the categories. Motorhomes in this category can be up to 75 feet in length. This class will include luxury coaches, motor coaches, and busses that have been converted. They can weigh in between 20,000-40,000 pounds and can sleep up to eight people.

Class B

Class B is the smallest category. Motorhomes in this class can weigh from 6,000 to 8,000 pounds and include converted cargo vans and conversion vans. They usually have appliances, water tanks, showers, and toilets.

Class C

This category is for medium-sized motorhomes that are 20 to 31 feet in length and weigh in at anywhere from 10,000 to 12,000 pounds. These motorhomes can sleep around six people and will have accommodations like refrigerators, toilets, and showers.

The Cost of Motorhome Insurance

The cost of your motorhome insurance will vary depending on what class you have. Here are some ideas of what you will pay for each class:

• Class A. Class A motorhomes will be the most expensive to insure. You can expect your insurance to be somewhere between $1,000 to $4,000 per year. If you are financing your motorhome, you can expect a higher cost as full coverage is higher priced than liability insurance.
• Class B. Class B motorhomes will be the cheapest to insure. That is due to the fact that they are small and similar to a regular van. You can expect to pay between $500 to $1,000 a year.
• Class C. You can expect to pay around $800 to $3,000 a year when you have a class C motorhome.

There are some additional factors that will come into play that will vary your insurance costs. These factors include:

• Driving history. Your driving history will play a large factor into how much it will cost for your insurance. If you have a history of DUIs, accidents, or past insurance claims, you can expect your insurance to be higher.
• Credit score. Your credit score will be a factor in how much you will have to pay for your insurance. If you have a low credit score, you will have to pay more for your insurance.
• Bundling. Some companies will allow you to bundle your homeowner’s insurance, your car insurance, and your motorhome insurance. This can help you to save a lot of money.
• Age of the RV. The age of the RV will play a significant factor in your cost. Older RVs will be much cheaper to insure than newer models.
• Usage. Your insurance rates will vary depending on whether or not you will be living in your RV full time or just going on short trips.

The Best Motorhome Insurance Companies

There are several insurance companies out there that are perfect for motorhome insurance. These include:

• RV American Insurance Coverage
• Good Sam Club Auto/RV & Services
• National General RV Insurance
• Safeco RV Insurance

In addition to these companies, you can also check with your local auto insurance company to see if they offer motorhome insurance and if you can bundle it will all of your other insurance coverages.

Ensuring that you have the right insurance coverage for your motorhome is imperative so that you are well protected when you are out traveling. If you are planning on purchasing a motorhome, start looking into insurance coverage today.


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