If you recently bought a Recreational Vehicle (RV) and you’re dying to finally take it out for a spin and go on a trip with you and your family, you must ensure you’re all set before leaving. However, it’s not enough to know the things you’re bringing and fill your vehicle with gas.
Having an RV is great for many reasons—you can go on an adventure for miles on end, set up camp at designated parking lots, or simply discover where the road leads you. As long as you have your family with you, all of you are ready to see sights and places.
However, before you embark on your journey, you must ensure you have the protection you need to achieve a stress-free trip. Along with preparing all your stuff, you will require an RV insurance to remain safe on the road in case of accidents. Keep reading below to find out more about RV insurance.
When to Get Insurance for Your RV
There are different kinds of recreational vehicles available in the market. What you decide to get could oblige you or encourage you to get a specific type of auto insurance for your security. Since you can never tell when accidents will happen, the best thing you can do is remain on your toes and be alert for the unexpected, which means you should apply for an insurance.
Different Classes of RV Vehicles
Before you get a unique car insurance, you must know what class your recreational vehicle falls under. There are three types of classes for an RV, which include:
1. Class A
Vehicles that involve luxury coaches, motor coaches, and modern buses that reach up to seventy-five feet long fall under Class A. If you have an RV that fits the category, you require a Class A insurance.
2. Class B
Car owners with a relatively small RV, such as a camper van or travel trailer, must apply for a Class B insurance for their vehicle. The kinds of RVs that belong to Class B typically do not have a cab-over.
3. Class C
Class C RVs include vehicles that have fifth wheels. They are considered standard cargo vans often used for driving purposes. If you own a loan on your camper, while you don’t need additional insurance, the costs you can face from an accident could lead to high expenses, making it better for you to still get more coverage.
Typical Coverage for an RV Insurance
If you own a vehicle besides your RV, you may already be familiar with an auto insurance. The insurance you require for your RV has similar policies to a car insurance. When you speak with your insurance agency, they will discuss that the coverage involves liability for any form of bodily injury or property damage that occurs.
In addition, the insurance handles an uninsured motorist and offers Personal Injury Protection (PIP), limited property damage, property protection, and comprehensive and collision. However, depending on the kind of vehicle you own, you cannot treat your RV like a car or truck, so you must ask your insurer if you require special coverage.
Conclusion
After purchasing an RV, you must prepare for your upcoming trip not only by packing all your needed belongings but also by learning your RV insurance requirements. As much as possible, you should always protect yourself with the right type of insurance and know the class your RV falls under. When you learn the coverage of your RV insurance, you could ask your insurance provider if your vehicle will require specific coverage to guarantee you and your family remain safe at all times.
Are you looking for RV insurance services in Sanford, Florida, for your family RV? Sanford Insurance Center is an insurance company offering various solutions, including homeowners insurance, mobile home insurance, auto and motorcycle insurance, and RV insurance. Get in touch with us today to receive a quote!
