When it comes to RV Insurance, there are several different types of insurable RVs including “Motorized” and “Non-Motorized” units. When it comes to “Motorized” units there are several different shapes and sizes, but most the most common types are motorhomes. However, even motor homes come in all different shapes and sizes. Below is a summary of the most common types of Motorhome insurance the RV Insurance Professionals at Gila Insurance Group provide:
Class A Motorhome Insurance – When it comes to Motorhomes or RVs, most people immediately think of the traditional Class A Motorhome. These beautiful machines are amazing in terms of luxury and amenities. Typically they are anywhere from 20-40 feet long, and can sleep anywhere from 6 to 10 people. Class A motorhomes are built on specially designed motor home chassis, which are built to handle the heavy load of a home on wheels. Class A motor homes are unique in their living space, and usually have at least two slide outs. The Maximum value we can insure for these units is $2,000,000.
Professional Bus Conversions Insurance – The key words here are professional conversion. These units are buses that have been modified to provide temporary living quarters. These units can be incredible, but again we are only able to insure those that have been modified professionally.
Class B Motorhome Insurance –These are also known as conversion or camper vans, because they are built on a Van Chassis. Two to four people can sleep in this set up, although it can be tight quarters. Despite the similarities to vans, these units are very different, and include some combinations of sleeping, kitchen and toilet facilities. Moreover they must include electric power and a water hookup. Despite the amenities, usually these are very basic due to space restrictions, so while you will probably be able to stand up inside of a Class B motorhome, don’t expect the luxurious amenities of a class A–they will be basic.
Class C Motorhome Insurance – Somewhere between the luxurious large Class A and the minimum utility of a Class B sits the Class C. These are also known as Mini-Motorhomes. Distinguished by their cab-over sleeping quarters, these units are typically built on a van or truck chassis.
Toterhome Insurance – Similar to the Class C variety are toterhomes. However, rather than being built on a Van or Truck chassis, a toterhome is built on a semi chassis. Meaning toterhomes are typically modified freightliner or Peterbuilt semi-trucks that include the equipment that make them eligible for RV insurance.
Medium Duty Tow Vehicle Insurance – This is an odd addition to the “motorized” unit list. Not because it is not motorized, but because it typically has no living quarters. Medium duty tow vehicles are large trucks–such as Peterbuilt, Freightliner, Ford F450s, GMC 4500–or others that have been modified to tow fifth wheel trailers.
Regardless of the class, or type of motorhome or motorized unit you have, the Team at Gila Insurance Group can provide motorhome insurance for most types of Motorhomes. Even if we haven’t listed the exact name or class (like a super C or a B Plus) we can probably still insure it.
For more information, call us at 877-784-6787, we are ready and willing to help you.
Homeowners Insurance policies, whether for your own home or a rental property, are very specific about what they cover, but oddly enough they throw in a couple of “extras” or additional coverage. What are those? Let’s take a look!
ADDITIONAL COVERAGE
There’s free stuff in my insurance policy? Yes.
So, great news there are only four Homeowners Insurance Coverage parts, so that part was simple, but next comes the complicated part; additional coverage (s). Yeah! Now for any of you that might be catching the sarcasm in that last comment, there are actually some good things in here. Every policy is different so here are some of the most common and important:
- Debris Removal – Have you ever seen a fire? Walls may still be standing but completely destroyed. What knocks those crumbling walls down and hauls them away? Debris Removal! See, good stuff.
- Trees, plants, shrubs – Not a lot here, but you can usually get coverage up to $250-$500 or so per tree. Obviously there will be limits, but landscaping can be expensive.
- Fire Department Service Charge – Sweet, nice that you don’t have extra stuff, like cost of fire department services coming your way.
- Collapse – This is an odd place to have this coverage, but it’s nice that they add it.
- Glass – Sweet.
Again, there is more to each of these, but nice that they add them and make them available as additions for your homeowners insurance. Start your quote online or call us for an immediate quote 1-877-784-6787.