As part of the IIANC PARTNERS program, our Presidential PARTNERS are able to submit a guest blog posting to our blog, Insurspective. Please see below from IIANC Presidential PARTNER National General Insurance.
Summer is here, and with the lowest gas prices in years, your RV customers are ready to hit the road. As America’s RV Insurance Specialists, we wanted to share some of our knowledge to help you better understand the needs of your RV customers. Because we recently expanded our coverage to include travel trailers, we put together this list of different RV categories and the most common coverages chosen by National General RV customers.
Class A Motorhomes
Description: The largest and most expensive of the motorhomes, Class A motorhomes typically resemble a bus. They often include slide-out areas that significantly increase the living area. These are frequently chosen by full-timers. In most states, these require a Class C license to legally operate. A smaller vehicle is often towed behind a Class A motorhome to allow for ease of travel once the motorhome is parked.
Common Coverages: Full-Timers Coverage – Similar to a homeowners policy, this extends coverage to include Personal Liability and Supplementary and Personal Effects Coverage when customers use their RV as their primary residence at least six months a year.
Class B Motorhomes
Description: Class B motorhomes are the smallest of the motorhomes and resemble a large van. These are less expensive and are considerably easier to drive. These are more commonly used for quick trips.
Common Coverages: Emergency Expense Allowance – This covers lodging, transportation and meal expenses if the RV is 50 or more miles away from home and inoperable due to a covered loss.
Class C Motorhomes
Description: Class C motorhomes are built on a van chassis, but typically include an extended section above the cab. These also offer the ease of movement of a Class B motorhome, but include more living and storage space.
Common Coverages: Total Loss Replacement Cost Coverage – Replaces the vehicle at the full original purchase price without depreciation.
Description: Travel trailers connect directly to the hitch of a tow vehicle. They can be towed by anything with enough power and offer many of the amenities included with a Class A motorhome, but the smaller tow vehicle makes for easy local travel once the trailer is parked.
Common Coverages: Vacation Liability Coverage – This adds additional coverage for incidents like slips, falls and campfire-related losses for a parked RV.
Description: Fifth-wheel trailers connect to a special hitch in the bed of a pickup or medium- to heavy-duty truck. These include additional space over the hitch.
Common Coverages: RV Comprehensive and Collision Coverage – This includes $3,000 in Custom Equipment Coverage, $3,000 in Personal Effects Coverage and $50 Locksmith Coverage.
Description: A pop-up camper is a small, lightweight, flat trailer that pops-up with soft, tent-like sides. These can be easily towed by most vehicles and is very affordable, but do not offer the amenities of the other RV options.
Common Coverages: Accident Forgiveness – The first at-fault accident will not lead to any change in premiums.
Whether you need to cover full-timers or day-trippers, we’ve got the specialized coverages your RV customers need at the competitive rates they want, making it easy for you to grow your business.
National General Insurance is a leading provider of personal and commercial auto, homeowners, RV, motorcycle and supplemental health insurance products, which includes employee benefits solutions for small- to medium-sized businesses. National General Insurance is rated A- (Excellent) by A.M. Best and A+ by the Better Business Bureau. If you’re an agent or broker who is interested in being appointed with National General Insurance, visit nationalgeneral.com/getappointed.