Motorhome insurance
What is motorhome insurance?
Motorhomes are like small drivable apartments with their own engine and driving chassis. Just like houses need their own policy, your motorized home needs its own specialized RV insurance, too. RV insurance for a motorhome provides:
- State-mandated coverages you may be legally required to have.
- Specialized RV coverages unique to your RV.
- Specific RV coverages and limits for your RVing lifestyle, such as if you are a full-timer.
Why choose motorhome insurance through the Good Sam Insurance Agency?
RV insurance policies for a motorhome include liability and any other coverage you need, like comprehensive and collision, and uninsured/underinsured motorist coverage. Plus, other specialized RV coverages.
- Optional full replacement cost coverage replaces your motorhome if it is ever declared a total loss*.
- Permanent attachments coverage insures your motorhome’s accessories and add-ons, like awnings, antennas and satellites.
- Coverage for personal belongings protects what you carry in your motorhome, like clothing, laptops, cameras and bicycles*.
- Full-timer coverage with higher limits is available for those using their motorhome as their permanent residence for six months out of the year or more.
Do you need motorhome insurance?
Since motorhomes are driven, almost every state requires motorhomes to meet minimum liability limits. Many lenders require comprehensive and collision coverage for financed or leased motorhomes. Beyond that, specialized RV coverages provide peace of mind that your motorhome is financially protected, inside and out.
What types of motorhomes can I insure?
Specialized RV insurance is available for all motorhome types, which include Class A, Class B and Class C motorhomes.
Insurance for Class A motorhomes
The mother of all motorhomes, the Class A is perfect for large family adventures. Entirely self-contained, with many features, this larger home on wheels can come with more bells and whistles and personal belongings that need greater protection.
- Body style: specially designed chassis
- Size range: 21-43 ft. in length
- Sleeping capacity: 6-8
- Engine type: gas and diesel
- Self-contained (can use camp hookups or boondock)
- Many RVers tow a smaller vehicle and detach it once their motorcoach is set up
Insurance for Class B motorhomes
Sometimes called a "camper van" because it uses a traditional van or truck shell converted into a mini home on wheels, this smallest of motorhomes has everything you need, from a kitchenette to a bathroom, all contained in a cozy little space.
Despite its small size, many Class B's can pull lightweight trailers, kayaks, or even a boat.
- Body style: truck or van shell that converts into a mini home on wheels
- Size range: 16-22 ft. in length
- Sleeping capacity: Up to 4
- Campsite capacity (can fit into small campsites and parking spaces)
- Includes home amenities like kitchens, baths and beds
Insurance for Class C motorhomes
Mid-sized and sometimes called a mini motorhome, this is the Goldilocks motorhome that is just right for the adventurous family or couple. The Class C provides luxury travel without the expense, and when it comes to camping out, there are plenty of beds for everyone!
- Body style: truck or van chassis
- Size range: 25-36 ft. in length
- Sleeping capacity: Up to 10
- Includes home amenities like kitchens, baths, beds, and sometimes even outdoor entertaining areas
Get a motorhome insurance quote today.
When it comes to RV insurance, the Good Sam Insurance Agency knows exactly what you need for your motorhome. Our agents are licensed and fully trained to work with RV owners like you. We not only understand the RV life; we love it. To see how much you could save on motorhome insurance, call us at 1-888-514-1116 or get your RV quote online today.