Camper vans are a popular recreational vehicle (RV) used for quick weekend getaways, long vacations, and even as permanent residences. Whether you use your Class B motorhome to go to concerts, take road trips, or enjoy the many wonders of the great outdoors, you likely invested some significant resources into your vehicle. To protect your investment, consider specialized Class B camper van insurance.
A local independent insurance agent can help you find the right kind of RV insurance for your Class B camper van. They'll ensure you get matched to the ideal policy for your unique vehicle. Here's a closer look at Class B camper van insurance, what it covers, and more.
Do You Need Insurance for a Class B Camper Van?
In most states, as with any other type of vehicle, you'll likely need at least liability insurance to be allowed to drive your Class B camper van on public roadways legally. You can get a liability-only RV insurance policy for your Class B camper van that just satisfies your state's requirements, or you can build out a more comprehensive policy that includes many types of coverage.
You might choose to add collision coverage to your policy to protect you against losses due to accidents or roadside assistance in case your camper van breaks down somewhere. An independent insurance agent can help you decide which types of coverage make the most sense for you and your Class B camper van.
How Much Does Class B Camper Van Insurance Cost?
You can get a liability-only policy for your Class B camper van for as little as $125 per year from certain insurers. But the cost of Class B camper van insurance can vary based on a variety of factors, such as:
- Your location and driving record
- The type and amount of RV insurance you buy
- The age and value of your camper van
- The weight and length of your vehicle
- How often your vehicle is used
Depending on the vehicle, some camper vans can even be covered under a standard car insurance policy, though not all insurers provide this option. You may also be able to save with motorhome insurance discounts from your insurance company. An independent insurance agent can help you compare Class B camper van insurance quotes from several insurance companies.
What Does Class B Camper Van Insurance Cover?
Your Class B motorhome or camper van insurance policy will likely consist of several types of coverage. The following RV insurance coverage options are usually available to choose from:
- Liability coverage: This covers expenses stemming from lawsuits arising from third-party claims of personal property damage or bodily injury caused by you or your Class B camper van.
- Comprehensive coverage: Pays for damage to your Class B camper van due to a non-collision event such as a flood or theft.
- Collision coverage: Pays for damage to your Class B camper van from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist coverage: This covers expenses related to collisions, etc., with other drivers who don't carry enough insurance to reimburse you fully.
- Medical payments coverage: This covers medical expenses for you and your passengers after a collision, regardless of fault.
- 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 is not offered in every state.
An independent insurance agent can help you build a complete Class B camper van insurance policy with each type of coverage you need.
Additional Class B Camper Van Insurance Coverage Options to Consider
Aside from the standard coverage options listed above, you might still need more protection for your Class B motorhome. Many RV insurance companies offer the following additional coverages:
- Loan/lease gap coverage: This can reimburse you for the difference between your Class B camper van's current value and what's owed on your loan or lease if your vehicle is declared a total loss.
- Towing and roadside assistance coverage: This can reimburse you for professional roadside services and towing if your Class B camper van breaks down while you're on a trip.
- Vacation liability insurance: This covers Class B camper vans used as temporary residences and can cover costs related to physical damage, etc., resulting from collisions and threats covered by comprehensive insurance.
- Full-time coverage: For Class B camper van 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.
- Safety glass replacement coverage: This covers the replacement of your Class B camper van's windshield if it gets damaged or destroyed by a covered peril.
- Personal property and belongings coverage: This covers personal property kept in your Class B camper van that gets stolen, lost, or damaged by a covered peril.
- Emergency expense coverage: This can cover emergency expenses like hotel rooms and travel costs if your Class B camper van leaves you stranded a certain distance from your home.
- Pet injury coverage: This can cover vet bills if your pets (i.e., domesticated animals like cats and dogs) get injured while riding in your Class B camper van.
Your independent insurance agent can help recommend any additional types of RV insurance you may still need.
An Independent Insurance Agent Can Help You Find Class B Camper Van Insurance
When shopping for Class B camper van 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.
Sources
https://www.progressive.com/rv-trailer/class-b-camper-van-insurance/
