Recreational Vehicle Insurance

RV insurance is much like automobile insurance.  

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.

Like car insurance, RV insurance is required in Nevada. All states require a minimum amount of liability insurance; in addition, some require uninsured and underinsured motorists coverage. 

Collision and comprehensive insurance limits are determined by you, the consumer, and perhaps you lender. Be sure to consider how you will cover your costs if you are in an accident and do not have adequate coverage.

Your RV is pretty much a combo of your home and your car. And despite being on wheels, it still includes homey comforts like a bed, dishes, a TV, and even a fridge. That means your policy coverage needs to be a bit more extensive, to reflect the protection you need. Think of it kinda like this: 

Before you can find out what type of insurance you need, you need to know how your vehicle is classified. So which is it:

• Class A Motorhome: Largest RVs on the road – a home on wheels
• Class B Motorhome: The small RVs – a van with amenities
• Class C Motorhome: Midsize models, sometimes called mini-motorhomes
• Motorhome Bus Conversion: A bus converted to an RV
• Travel Trailer: Towable motorhome
• Fifth Wheel: typically attached by a trailer hitch
• Towable motorhomes attached to a truck with a fifth-wheel hitch
• Truck Campers: Add-on campers attached to a truck bed 

Depending on the insurance company you choose, your additional coverage options may include:

• Total loss replacement coverage
• Campsite and vacation coverage
• Emergency expenses
• Towing and Roadside Coverage
• Full-timer coverage if your RV is your full time residence
• Uninsured and underinsured motorists coverage

All Risk Insurance Solutions Inc. is Trusted Choice Recommended. We can help you find cheap motorhome insurance. Get a RV insurance quote today by calling (702) 541-0882. 

Jim and Bonnie Grant, Licensed Insurance Agents

223 S. Water Street, Suite B, Henderson, NV 89015

Get a RV insurance quote today by calling (702) 541-0882. 

getinsurance@arisnv.com

Some travel trailers are very small and are used only for storage, while others may contain a small sleeping area or include more amenities such as a kitchen area and bathroom facilities.  

A travel trailer is a temporary living space that is attached to a trailer and towed behind the primary vehicle, typically an SUV or truck. Travel trailers come in a variety of different models that can be equipped with very basic accommodations or elaborate living quarters.

The sleeping capacity of these trailers can also vary considerably. Some travel trailers can be folded or expanded into another level when they are parked. Some travel trailers can be used in a restaurant business.

An utility trailer is an unpowered vehicle towed by a powered vehicle. It is commonly used for the transport of goods and materials. Sometimes utility trailers are used to tow ATVs, motorcycles, boats, contractor equipment, etc. Traditionally utility trailers are insured along with the vehicle pulling it. You can also add it to a commercial vehicle policy for business purposes.