Class A, B or C – How RV Type Affects Your Insurance Coverage

Recreational vehicles (RVs) can offer the freedom to explore the open road while enjoying many comforts of home. But just like any motor vehicle, RVs typically require insurance—and the type of RV you own can significantly influence your coverage needs and costs. Understanding how your RV’s classification affects your insurance can help you make smarter decisions and avoid surprises.

What Are the Different Classes of RVs?

RVs are generally categorized into the following three main classes:

• Class A—These are typically the largest and most luxurious RVs, often resembling buses. They often include full kitchens and bathrooms, as well as other amenities.

• Class B—Also known as camper vans, these are the smallest class. They’re typically easier to drive and park but offer limited living space.

• Class C—These mid-sized RVs are built on a truck or van chassis and often feature an over-cab sleeping area. They strike a balance between size and amenities.

How Does the Type of RV I Have Impact My Coverage Needs?

Each RV class comes with unique risks and coverage considerations. Be mindful of the following:

• Class A RVs typically require higher liability limits and comprehensive coverage due to their size, value and potential for damage in an accident.

• Class B RVs may need less coverage overall, but if used as a daily vehicle, you might need a hybrid policy that blends auto and RV insurance.

• Class C RVs often need specialized coverage for both the vehicle and the living quarters, especially if you tow a car or trailer.

Additional coverage options—like roadside assistance, full-timer insurance and personal belongings protection—may also vary depending on how you use your RV.

How Does RV Type Affect Premiums?

Premiums are largely influenced by the RV’s value, size and usage. Consider the following insights:

• Class A RVs usually have the highest premiums due to their cost and repair expenses.

• Class B RVs tend to be the cheapest to insure.

• Class C RVs fall somewhere in between, with moderate premiums reflecting their hybrid nature.

Learn More

Ultimately, the right insurance policy should match your RV’s class, how often you use it and your lifestyle on the road. Contact Farrell Insurance Agency in Palm Desert, CA today to discuss your needs and find the right policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.