Your RV is your home away from home, so it should be protected, too. At Insurance Unlimited in Bozeman, we provide RV insurance policies to protect you and your RV. The types of coverage available to you will depend on how you use your RV – whether you live in it full-time or drive it recreationally – as well as how the vehicle is operated. A motorhome requires separate liability coverage than a travel trailer, which has coverage that is typically transferred from your auto insurance policy.
Insurance Unlimited in Bozeman offers a variety of RV insurance policies to cover your RV and how you use it. If you own an RV, our experienced team is here to help you ensure that you insure it with the best policy for your specific requirements.
Types Of RVs
There are many different types of RVs available today. You want to select the right RV insurance for your type of RV. The type of RV that you own can impact your coverage needs. RVs are not a one-size-fits-all, so you want an RV insurance policy that meets the requirements of your specific type of RV.
Class A Motorhomes
This is the largest type of motorhome, looking like a small bus you can live in. These RVs range from 21 to 40 feet long.
Class B Motorhomes
These are commonly known as “camper vans” and are the smallest kind of motorhome.
Class C Motorhomes
These are known as “mini-motorhomes”, and range from 20 to 33 feet in length.
These are travel trailers which are commonly used for vacations and camping, and range from 12 to 40 feet long.
These RVs have a raised front section, to allow for more living space.
These RVs come with collapsible walls to make them easier to tow and are commonly used for camping.
This type of RV has the living space in your truck bed.
These RVs are like U-Hauls, designed to carry equipment, such as boats and ATVs.
Cargo & Horse Trailers
These are large and enclosed trailers that carry horses or cargo or other vehicles.
If you own or lease a Class A, Class B, or Class C RV, most states will require you to have a minimum insurance in order to legally operate it, while other types of RVs, such as pop-up campers, may not be legally required to be insured.
What Standard RV Insurance Covers
Property coverage for your RV varies depending on your policy. Generally, though, most RV insurance policies include:
- Bodily injury liability. This pays for bodily injury that you may be liable for in the event of an accident, such as the injured party’s loss of income and medical bills.
- Property damage liability. This pays for damages to another person’s property or vehicle that you may be liable for in the event of an accident.
- Physical damage coverage. Comprehensive coverage protects your RV from animals, theft, vandalism, rocks or debris from other vehicles, windshield damage, and acts of nature. Collision coverage covers damage to your RV regardless of who was at fault.
- Uninsured/underinsured bodily injury and property damage. This protects you and your RV from damages that are caused by uninsured/underinsured motorists.
- Medical payments. This covers medical bills that result from an accident, regardless of who was at fault, up to the limit you chose.
There are other types of RV insurance coverages, such as pest protection, roof protection, replacement cost for personal property, and more, which may be included in different policies. RV insurance does not typically cover general wear and tear or damage from natural disasters such as earthquakes or floods.
Different Types Of RV Insurance Coverages
In addition to standard RV insurance, there are multiple different coverage options available for most types of RVs and how they are used, such as recreational and full-time RV insurance.
Some coverages available for RVs include:
- Custom equipment
- Awning replacement
- Safety glass replacement
- Vacation liability
- Roadside assistance
- Personal articles
- Limited pet coverage
Full-Timers RV Insurance Policies
If you live in your RV full time, you will require additional coverage for increased risks. Full-timers RV insurance policies act similarly to homeowners insurance policies and allows for additional coverage options, such as loss assessment and personal liability.
Get An RV Insurance Quote
Insurance Unlimited in Bozeman offers a variety of RV insurance policies. To learn more about the types of RV insurance coverages we offer and the best kind for you and your RV, contact us at Insurance Unlimited in Bozeman, MT today!