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22246 S Ellsworth Rd
Queen Creek, AZ 85142

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The Insurance Team Blog

How Does RV Insurance Differ From Auto Insurance?

Owning an RV is very different from owning a regular car or a truck, as it comes with a different set of responsibilities. RV ownership usually requires vehicle maintenance repair, RV roof management, winter insulation, water tank management, regular appliance cleanings, and other similar tasks. In addition to that, RV owners should consider getting RV insurance, which is similar to auto insurance.

Is it a Good Idea to Get RV Insurance?

If you own a large recreational vehicle, then yes. Just like a car, RVs are vulnerable to on-road collisions, property damages, theft, vandalism, or general wear-and-tear. Because RVs often come with electrical appliances and water tanks, the owner may likely need to hire repair services in the event of a breakdown. At the Insurance Team, we’re providing RV insurance to the people of Queen Creek, AZ. 

RV Insurance Versus Auto Insurance

While RV insurance costs about the same as traditional auto insurance, there are some differences with what RV insurance covers. It often covers electrical surge damage, a problem that’s specific to recreational vehicles; if you have electrical appliances connected to your RV system, then it’s recommended that you find a policy that insures power surge damage. RV insurance also tends to specialize in liability coverage, the type of insurance that pays clients who are held legally responsible for an RV accident. Liability coverage is especially useful for RV drivers who frequent campgrounds or RV parking sites.

Getting RV Insurance in Queen Creek, AZ

If you’re interested in purchasing RV insurance as well as auto insurance, feel free to contact the Insurance Team. Call our agency today to schedule an appointment.

RV Insurance FAQs

It’s important to protect your RV with the right insurance policy, but you may have questions. Our trusted advisors at The Insurance Team, in Queen Creek, AZ are here to answer them. 

RV Insurance FAQs

What are the Classes of RV?

There are three basic classes, which are Class A, B, and C. 

Class A is the largest and most luxurious. These can be as small as 20 feet or as long as 75 feet and are often known as luxury motorhomes or luxury RVs. 

Class B RVs are smaller, and typically around 20 feet long. They are more agile than larger RVs. Despite their smaller size, they are typically equipped with everything you need, including a kitchen and shower. 

Class C RVs are a middle ground between Classes A and B. They are typically larger or better appointed than Class Bs, without the bus-style chassis of Class A. 

What Does RV Insurance Cover? 

Similar to auto insurance, RV insurance can include liability and full coverage. Liability covers damage to others’ vehicles or property if there’s an accident. Full coverage covers damage to your RV in the event of an accident. 

RV Insurance can also cover your belongings and specialty equipment. 

Is RV Insurance Required? 

Liability insurance is required for all motor vehicles by Arizona law. 

If you rent or have a lien on your RV, you may also be required to have collision and comprehensive coverage. 

What is Full-Time vs Part-Time RV Living? 

RVs are designed to be lived in, which is why they have many of the amenities you would find in a home. Some people choose to live in their RV part-time. They may spend a weekend in their RV, or reside there while on vacation. 

If you choose to live in your RV full-time, you’ll need full-time RV coverage, which differs from part-time coverage.  

Give Us A Call

If you need RV insurance in the greater Queen Creek, AZ community, contact The Insurance Team. Our friendly agents will speak with you and discuss your coverage options. 

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