Class A Motorhome Insurance

If you just bought or are considering buying a Class A motorhome, you must protect your purchase with the right RV insurance. Your recreational vehicle is your home away from home, and after an accident, weather damage, or theft, you’ll want to be able to restore your RV and get back on the road. Without the proper coverage, you could end up paying hefty costs out of your own pocket for repairs, liability, etc.

Luckily, a local independent insurance agent can help you get set up with all the Class A motorhome insurance you need. They'll get you matched to the ideal policy for your specific vehicle. Here's a closer look at Class A motorhome insurance, what it covers, how much it costs, and more.

Do You Need Insurance for a Class A Motorhome?

In most states, you're required to carry at least basic liability coverage on your RV or Class A motorhome to drive it on public roadways. Having liability coverage can reimburse you for expenses related to lawsuits if a third party files a claim against you for bodily injury or personal property damage. Without this coverage, just one lawsuit could be expensive to the point of bankruptcy. 

But beyond liability insurance, you'll likely want to consider additional coverages that can help pay to repair or replace your motorhome for physical damage due to collisions or vandalism. You might also want to get coverage to reimburse you in case you need roadside assistance if your motorhome breaks down while you're out on a trip, in addition to other types of RV insurance.

How Much Does Class A Motorhome Insurance Cost?

The Class A motorhome is the largest class of RV on the road. These vehicles can reach nearly 45 feet in length, sleep up to 10 people, and come with price tags into the millions. You can get a liability-only Class A motorhome insurance policy for just $125 per year from some carriers, but your policy's costs may vary. 

The rate you pay for Class A recreational vehicle insurance can depend on a variety of factors, such as:

• The value of the RV
• The make and model of the RV
• How often the RV is used
• The type and amount of coverage selected
• Your location
• Your personal driving record
• Your prior claims history

Motorhome insurance rates also depend on whether you buy just a standard policy or need additional coverage. An independent insurance agent can help you find the most affordable coverage in your area.

What Does Class A Motorhome Insurance Cover?

You may need several types of coverage to complete your Class A motorhome insurance policy. Many RV insurance carriers offer the following coverage options you can choose from:

• Liability coverage: This covers costs related to third-party claims of bodily injury or property damage caused by you and your Class A motorhome.
• Collision coverage: Pays for damage to your Class A motorhome from a collision with another object, regardless of fault. 
• Comprehensive coverage: Pays for damage to your Class A motorhome due to a non-collision event such as a flood or theft. 
• Personal injury protection: This covers medical expenses, lost income, funeral expenses, childcare, and other costs if you get injured in a collision, regardless of fault. This coverage isn't offered in every state.
• Uninsured/underinsured motorist coverage: This covers costs for collisions, etc., with other drivers who don't carry enough insurance to reimburse you for their portion of the damages properly.
• Medical payments coverage: This covers medical expenses for you and your passengers after a collision, regardless of fault.

An independent insurance agent in your town can help recommend the exact types of Class A motorhome insurance that would best meet your needs.

Additional Class A Motorhome Insurance Coverage Options to Consider

Your Class A motorhome insurance policy may not yet be complete. The following additional coverage options might be wise to consider for many motorhome owners:

• Towing and roadside assistance coverage: This covers towing costs and other professional roadside services if your Class A motorhome breaks down on the road.
• Vacation liability insurance: This covers Class A motorhomes used as temporary residences and can cover costs related to physical damage, etc.,  resulting from collisions and disasters covered by comprehensive insurance.
• Loan/lease gap coverage: This covers the difference between your Class A motorhome's current value and what's owed on your loan or lease if your vehicle is declared a total loss. 
• Full-time coverage: Designed for Class A motorhome owners who use their vehicles as permanent residences, this includes similar coverage to a homeowners insurance policy for incidents related to guest injuries and property damage and higher liability and medical payments coverage limits.
• Emergency expense coverage: This covers emergency expenses like hotel rooms and travel costs if your Class A motorhome breaks down a certain distance away from your home, leaving you stranded.
• Pet injury coverage: This covers vet bills if your pets (i.e., domesticated animals like cats and dogs) get injured while riding in your Class A motorhome.
• Safety glass replacement coverage: This covers the replacement of your Class A motorhome's windshield if it gets damaged or destroyed by a listed peril.
• Personal property and belongings coverage: This covers personal property, such as laptops, furniture, cellphones, etc., kept in your Class A motorhome that gets stolen, lost, or damaged by a covered peril.

Your independent insurance agent can help ensure your RV insurance properly covers each aspect of your motorhome, including accessories and after-market add-ons, contents, special valuables, and any towed vehicles.

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An Independent Insurance Agent Can Help You Find Class A Motorhome Insurance

When shopping for Class A motorhome insurance, enlist the help of a local independent insurance agent. These agents are free to shop and compare coverage and rates from multiple carriers in your area. Ultimately, they'll get you matched to an RV insurance policy that offers the best overall blend of coverage and cost. And down the road, your agent can help file RV insurance claims for you if the time comes.