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Classes of RVs and How They Affect Insurance

Classes of RVs and How They Affect Insurance

Many Orange Park, FL residents visit First Florida Underwriters Inc in search of insurance for their RV. They’re often surprised to learn how varied their insurance options are.

RV insurance doesn’t provide a one-size-fits-all option. Instead, it offers a multitude of options. Snowbirds who drive here for vacation and decide to park permanently need a special type of RV insurance called full-timers. This policy considers the RV your home. You choose this option if you want to rent or purchase a lot on which you will park your RV permanently, either plugging into an electrical outlet or using solar panels for power. You might stick with propane, but once they aren’t on the road any longer, many people switch to plugging in or installing solar. Maintenance on your RV changes when you live in it year-round and the full-timer policy recognizes this.

When you remain on the road or use the RV for vacations, you need regular RV insurance. This still differs in one key way. It is based on the size of your RV, also referred to as the RV class.

Class A: The largest RV size provides a self-contained sleeping and living area. You can travel in the RV section while in motion meaning there is someone in the cab and potentially passengers in the rear. These expensive RVs cost the most to insure.

Class B: The least expensive of the RV classes, this provides the smallest space and costs the least to insure out of the types that provide a self-contained sleeping and living area that allows passengers to travel in it while in motion.

Class C: The C class falls between A and B in size and cost of purchasing. Also, providing a self-contained area for sleeping and living space in which passengers can travel while the RV remains in motion, its premiums cost more than a Class B policy but less than an A.

Conventional Trailer: You can’t travel in a conventional trailer, also called a towed trailer. It may have a pop-out to increase the size of the area for dining, but there’s typically no sleeping area even when popped out. You can store luggage and other items in this trailer type.

Fifth-wheel Trailer: While you cannot travel inside a fifth-wheel, you can sleep in its sleeping loft. You tow this with a truck and the front portion overhangs the truck cab.

Contact First Florida Underwriters Inc today to obtain RV insurance for your Orange Park, FL RV. Call us today.