What are the different classes of motorhome policies?
Motorhome policies are categorized into different “classes” based on the size and type of RVs that they cover. Most policies within a class will cover similar RVs. There are three main classes:
- Class A: Generally offers coverage for large RVs and repurposed buses.
- Class B: Generally offers coverage for mid-sized RVs, camper vans, and travel trailers.
- Class C: Generally offers coverage for small RVs and fifth-wheel trailers.
Should RV owners include personal property coverage in their motorhome policy?
Personal property coverage is usually offered as an optional protection, but it can be an important one. The coverage might protect everything from miscellaneous items in the glove compartment, to expensive electronics used when you’re parked (depending on policy terms).
RV owners probably should consider personal property coverage if they don’t have the protection already, or if their protection doesn’t extend to the motorhome when traveling. The policy to check is a homeowners policy.
Almost all homeowners policies offer personal property coverage, and most homeowners purchase this coverage through their home policy. Sometimes homeowners policies restrict coverage to only when items are kept at the house, in which case personal property coverage might be appropriate to include within a motorhome policy. Sometimes homeowners policies have “worldwide coverage” that extends the protection to most locations, so the coverage likely isn’t needed within a motorhome policy.
RV owners who don’t have a homeowners policy likely should get personal property coverage through their motorhome policy. The protection might be part of full-timer coverage, or selected separately.
A knowledgeable insurance agent can help evaluate personal property coverage needs, so RV owners can make informed decisions about how to get this protection.