Hitting the open road in an RV represents freedom, adventure, and the comforts of home all in one. But when it comes to protecting that investment, it’s important to note how RV insurance differs from standard auto insurance. While the two policies share some similarities, RV insurance comes with its own set of coverages tailored specifically to the needs of RV owners. Whether you’re a full-timer or just take seasonal trips, knowing the key differences can help you choose the right coverage.
How is RV Insurance Different?
RVs come in many forms. Small camper vans to large Class A motorhomes—but what they all share is their dual purpose. An RV is both a vehicle and a home, which means it has unique risks that auto insurance doesn’t typically address.
Here are some of the specialized coverages often found in RV insurance policies:
- Personal Belongings Coverage: RVs are often stocked with personal items like clothing, electronics, cookware, and furniture. RV insurance can protect these belongings if they’re stolen or damaged.
- Vacation Liability: If someone gets hurt at your campsite or just outside your parked RV, vacation liability coverage can help pay for medical expenses or legal fees.
- Full-Timer Coverage: For those who use their RV as a primary residence, full-timer policies act more like a homeowners insurance policy, offering higher liability limits and protection for the structure itself.
- Emergency Expense Coverage: If your RV breaks down while traveling, this can help cover lodging, food, and transportation costs while repairs are underway.
- Attached Accessories Coverage: This protects items like awnings, satellite dishes, and bike racks that are attached to the RV.
RV Classification and Coverage Needs
Another major difference comes down to how RVs are classified. RVs are grouped into different classes (Class A, B, and C), and each has different insurance requirements and risk profiles.
- Class A: These are the largest and most luxurious motorhomes. Because of their size and value, they typically require higher coverage limits.
- Class B: Also known as camper vans, these are smaller and easier to drive, often requiring coverage more similar to auto insurance.
- Class C: These are mid-sized RVs that often include a cab-over section for sleeping. They may need a combination of personal property and vehicle protection.
Towable RVs like travel trailers and fifth wheels also require different coverage. While the towing vehicle needs standard auto insurance, the trailer itself might need specialized protection for physical damage and liability.
Cost Differences Between RV and Auto Insurance
On average, RV insurance tends to be more expensive than auto insurance in Harrisburg. This is primarily because RVs are more costly to repair and replace, carry personal belongings, and are used for more than driving. However, usage plays a big 
role in cost. Someone who only takes their RV out for a few weeks each year will likely pay less than someone who lives in theirs full-time.
Discounts are also available for safe driving, bundling with other policies, and completing RV safety courses. Talk to an agent familiar with RV coverage to get an accurate quote based on your lifestyle.
Which One Do You Need?
If you own both a car and an RV, you’ll need separate policies for each. Your auto insurance policy will not fully cover an RV, even if it’s small or only used occasionally. Make sure to evaluate how often you use your RV, what types of belongings you keep in it, and whether you stay at campgrounds or travel across the country.
RV Insurance Harrisburg, PA | The Kind Insurance
If you’re based in Harrisburg or anywhere in central Pennsylvania and planning your next RV adventure, make sure you have coverage that fits how you travel. At The Kind Insurance we’re very familiar with RV insurance and can walk you through the options, explain what each policy includes, and help you find the right balance of protection and cost. When cruising the Susquehanna Valley or heading out west, the right insurance will give you peace of mind every mile of the way. Reach out today to start the conversation.