How the Class of Your RV Affects Insurance Rates

You love your motorhome and you know that for your protection you must insure it. Perhaps your RV is not powered by an engine at all, but instead, it’s a towable vehicle such as a such as a fifth wheeler trailer, travel trailer or pop-up camper. Either way, your insurance rate is determined, in part, by the kind of RV you have. At LG Insurance Group, which serves Marietta, GA, we can guide you in selecting RV insurance.

Class A motorhomes are generally the most expensive and largest you can buy. They are typically from 20 feet to about 45 feet long. Class B vehicles are the smallest, ranging from about 17 feet to about 21 feet long. Class C’s are a cross between the other two and can range from about 20 feet up to about 33 feet. Generally speaking, the longer an RV is the more it costs to insure it.

Insurance for Class A vehicles is usually more expensive than ones for Class B and C.  Besides size, Class A vehicles have powerful engines. The contents of your RV also affect policy costs. If you are like many owners a Class A vehicle, you might have equipped it with high-end electronics, appliances or furniture. This is also true for a Class C vehicle that could be similarly outfitted. 

While the insurance for a towable RV usually costs less than for a motorhome, note that the insurance you pay for the car, pickup truck or SUV capable of towing your RV might offset savings. Contact the LG Insurance Group, which serves Marietta, GA, for your RV insurance needs so you can have peace of mind when you travel.