In 13 years of providing RV insurance we’ve gained a bit of experience. By experience I mean we get asked to insure all types of things. So much so that it necessitates a few definitions.
Since we are talking about RV insurance, let’s start with defining what an RV or Recreational Vehicle is. A Recreational Vehicle comes in two general types--Motorized units and Non-motorized units. Motorized units are Motorhomes. Motorhomes are divided into three classes including Class A, Class B, and Class C. Non-motorized units are typically of the towable variety and include conventional travel trailers, fifth wheels, toy haulers and pop-up campers.
That said, not all “RVs” are insurable. So let’s define what an insurable recreational vehicle is.
While different insurance companies have different appetites for risk, most have very similar definitions of what makes an RV insurable. For example most insurable RVs have the following equipment.
- Refrigeration equipment
- LP-Gas / Propane System
- Bathroom Facilities that are “Built in and Plumbed”
- Cooking Equipment (think kitchen, not a Coleman)
- Heating/Air conditioning system that is separate from the system provided by the engine
- Separate electric power system with a 110V-125V hook up
- Drinkable water supply system
With few exceptions these are required for all insurable RVs. So, let’s talk exceptions to these hard fast rules.
These items are insurable if the exceptions are met:
Class B Motorhomes, or camper vans – While Camper vans are not required to have all of the equipment provided above, they are still required to have a fresh water hook up and a separate 110 volt electric power hook up. In addition a Class B motorhome must include at least two of the following: sleeping facilities, kitchen or toilet facilities.
Pop-up Camper – no requirements
Truck Camper – again, no requirements
If you have an insurable RV and are in the market for RV insurance contact us today at 877-784-6787 or start your quote online today.
This coverage explanation is for illustration purposes only and is general in nature. Coverage explained here may not apply to your policy, State, company, or situation. For more information about how your policy would respond in the event of a loss, please refer to the terms and conditions and declarations page of your policy.