RV Insurance Basics

What is an RV?

A recreational vehicle or RV is a class of vehicle used for recreational activities. This can include trailers, campers, and motorhomes. There are three classes. Class A are vehicles up to 75-feet long similar to a luxury bus or motor coach. Class B vehicles are camper vans and travel trailers. Class C vehicles have an extended camper over the driving cab.

Finding the right insurance to go with your specific RV is what the Hart Insurance agents in Federal Way, WA do. Contact them for additional information to have your RV insured.

What Does RV Insurance Cover?

  • Collision – helps pay to repair or replace your vehicle regardless of who is at fault in an accident.

  • Comprehensive – if your RV is involved in an incident that causes damage to the vehicle, but it has not been in an accident, comprehensive insurance will cover it. For example, if your RV is damaged by vandalism, fire, or theft, you’ll be covered.

Liability Insurance Coverage

  • Bodily injury – if you cause injuries to someone and they have medical bills as a result, you would have to pay the bills. With bodily liability coverage, your insurance would take over.

  • Property damage – if you are deemed to be at fault when there is an accident involving your RV, you could be protected from paying out large amounts of money out-of-pocket.

  • Lawsuits – if you are sued by a driver from an accident you caused, the cost for legal expenses could be covered.

Enjoy your time in your RV while you travel around the world. It will be easier than you think once you have the right kind of insurance coverage. Call the independent insurance agents in Federal Way, WA at Hart Insurance to get you started with your RV insurance coverage.