WHY DO I NEED RV-SPECIFIC INSURANCE?

Many insurance agencies claim that RV coverage is offered under your standard auto policy. However, this is not always the case. To completely insure all aspects of your RV, you’ll need RV-Specific Insurance.

What is RV Insurance?

RV insurance protects you in the event you cause damages or injuries to someone else, and it covers the costs associated with damages to your own vehicle if a covered incident happens. There are a variety of coverages that differ contingent upon how you use your particular RV – a full-time residence or recreationally.

Coverage also differs by the vehicle’s operation (motorhome versus towable). It’s important to note the difference in RV classes as they require different policies and coverage.

An RV that you drive, a motorhome, requires insurance just like an automobile does. A travel trailer, or towable, may or may not require insurance depending on the state. Regardless of what’s required by law, insuring the investment you made in an RV is always a good idea.

Whether you’re renting or buying an RV — or even selling and trading one in — understanding RV class types could help you choose the best rig for you and your family.

Where Can I Get RV Insurance?

The Good Sam Insurance Agency creates a custom insurance policy from multiple carriers that protects your Class A, B, or C motorhome, travel trailer, or pop-up to ensure you get the best coverage. Even unconventional RVs like skoolies or custom build-outs can be insured.

Regardless of where your travels take you, the Good Sam Insurance Agency is designed to provide you with specialty RV insurance policies that you can’t always find elsewhere.

Get a quote quickly and conveniently, free, and without obligation by using the Good Sam Insurance Agency quote tool.

What Can RV-Specific Insurance Cover?

  • Expanded Personal Property Coverage. An auto policy may be sufficient for someone stealing a phone or purse out of your car, but when you’re traveling in an RV, you have all the comforts of home on the road with you. From flat-screen TVs to stereo equipment, appliances to golf clubs, bikes to kayaks, and more – an RV-specific policy will take these things into account to provide the correct amount of coverage.
  • Permanent Attachments Coverage. Auto policies often see awning additions or satellite dishes as modifications to the original design and, as a result, will not cover any damages. An RV-specific policy understands these additions are considered part of the vehicle and will cover replacement costs, when necessary.
  • Emergency Expense Coverage. If you wreck your car, most agencies will offer to cover the cost of a rental car while yours is being repaired. If you wreck your RV – your transportation and your lodging – an RV-specific insurance policy will cover your food, lodging, and transportation. This relieves a lot of the stress that comes with these emergency situations.
  • Storage Options. An RV-specific insurance policy understands the lifestyle and that not everyone will be using their RV year-round. If you’re putting your RV into storage, many RV-specific policies will let you pause parts of your coverage, in turn saving you money during the off-season.

*The benefits above may not be provided with every policy. Check with your provider to confirm insurance coverage details.

What Does RV Insurance Not Cover?

RV-specific insurance does not typically cover general wear and tear. RV insurance does not cover damage from rot, mold, or fungi and damage from natural disasters (i.e., earthquakes, floods) may be excluded.

However, Good Sam offers more than just RV insurance. A Good Sam membership grants you access to RV Roadside Assistance, Emergency Travel Assist, RV Rentals, and more. The benefits and cost savings are endless. Learn more about what a Good Sam Club Membership can do for you and how Camping World can help with RV financing.

What Qualifies as an RV?

Are you unsure about what kind of RV you want, and what it might cost to insure it? Learn the basics to RV class types here. Then, consider how often you’ll use your RV and how much risk you’re comfortable taking on. Share these factors with an insurance agent to get a customized price quote for your RV of choice.

MOTORHOMES

Class A

As the largest type of RV, a Class A motorhome comes with the most features and is often the most expensive. Resembling a large bus, these types of RVs are typically accessed through a main side door.

Discover more about Class A RV Insurance and get a free quote today.

Interested in a Class A RV? Find out more below.

Class B

The Class B RV is much smaller than the Class A and is also much easier to drive, especially when navigating narrow roads and tight paths. Often designed with a raised roof, this type of RV is accessed through a sliding side door like a van.

Discover more about Class B RV Insurance and get a free quote today.

Interested in a Class B RV? Find out more below.

Class C

Built on a van or truck chassis, the Class C has a traditional truck cabin with a raised roof that extends over the cab. This extension is commonly used for sleeping or additional storage. Slightly bigger than the Class B, the Class C RV is a great option for families.

Discover more about Class C RV Insurance and get a free quote today.

Interested in a Class C RV? Find out more below.

TOWABLES

Travel Trailer

One of the most popular RVs on the market, the travel trailer is available in a variety of sizes and can easily accommodate a family. Its popularity can be contributed to its convenient towing ability since it can be towed by most vehicles people already own.

Discover more about Travel Trailer Insurance and get a free quote today.

Interested in a travel trailer? Find out more below.

Fifth Wheel

Stretching in size from 25-45 feet, Fifth Wheel RVs offer the most spacious living areas for towables of their size. Enjoy various slide-outs, a bi-level floorplan thanks to a raised forward section, and all the luxuries of the Class A without the price tag.

Discover more about Fifth Wheel Insurance and get a free quote today.

Interested in a fifth wheel? Find out more below.

Toyhauler

One of the most versatile RVs, a Toyhauler can be a chameleon that changes to meet all your needs on the road. Working remotely and need an office? No worries. Have lots of outdoor toys like ATVs and bikes? There’s plenty of space to store them. Into stargazing? There’s a party deck that takes advantage of the views.

Discover more about Toyhauler Insurance and get a free quote today.

Interested in a Toyhauler? Find out more below.

Pop Up RVs

The perfect marriage of tent camping with the convenience of an RV, a pop up trailer can quickly become your favorite type of RV. Ideal for vacations and weekend getaways, the pop up RV offers slide-outs with beds, a small kitchen with both a sink and stove, and an easy to maneuver footprint. It’s small but mighty.

Discover more about Pop Up RV Insurance and get a free quote today.

Interested in a pop up trailer? Find out more below.

Small Camper

Proof that good things do in fact come in small packages, the small camper is among the least expensive types of RVs. But don’t let the price tag fool you, there’s still big fun to be had! Compact yet spacious, small campers are the easiest to tow and navigate allowing you to travel comfortably and worry-free.

Discover more about Camper Insurance and get a free quote today.

Interested in a small camper? Find out more below.

How to Get RV-Specific Insurance?

The Good Sam Insurance Agency is seasoned at insuring motorized and towable RVs, as well as the cars and toys that come along with the RV lifestyle. Contact your Good Sam Insurance Agency at 1-888-514-1116 to learn more.