There are several classes of recreational vehicles and they each need special insurance:

• Class A covers RVs built like large commercial buses. This kind of motor home is complete and contains everything you need. Some of these homes are very expensive, costing up to a few hundred thousand dollars.
• Class B vehicles resemble vans, but have taller ceilings so you can stand up inside. They also have a longer wheelbase to accommodate the weight and additional room they provide.
• Class C vehicles are large vehicles made from trucks or vans.

Fifth-wheel trailers like larger homes on wheels are specifically made for pulling on the highway and camping or long-term use.

• Toy haulers – vehicles that typically fully contain ‘toys’ such as snowmobiles and dirt bikes.
• Horse trailers (especially those with sleeper units)
• Pop up campers – can be collapsed for easy storage and transport.
• All terrain vehicles (ATVs) including three- and four-wheelers.

Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car, like liability, comprehensive, and collision.

If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage, both on and off the road.

When you insure your RV, you might want to consider these important options:

• Insurance for full-time RVers
• Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
• Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
• 24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
• Emergency expense money
• Total loss coverage
• RV contents coverage
• Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.