Insurance can be incredibly specific. If you have vehicles that fall under different category types<https://www.thezebra.com/auto-insurance/vehicles/>, chances are your insurance provider has a separate policy for it. Consider recreational vehicle insurance: it encompasses many of the same aspects as renters<https://www.thezebra.com/renters-insurance/> and auto insurance<https://www.thezebra.com/auto-insurance/> but with its own quirks. Typically, insurance companies won’t allow RV owners to add RVs to personal auto policies. So in order to get complete coverage, you have to get a separate policy for your RV.

Does coverage vary for different types of RVs and trailers?

In general, whether you are driving a 40-foot motorhome or hauling a pop-up camper, you will want to make sure that you are covered. Motorhomes will require a special policy all their own, while travel trailers or campers pulled behind a vehicle may not. However, trailers or campers can oftentimes still be covered with a policy to protect damage to the trailer or personal belongings inside.

For a better breakdown of the different types of RVs and the coverage that they require, have a look at the list below:

* Class A motorhome: The largest of the motorhomes, these vehicles can range in length from 21' to 40'.

* Class B motorhome: The smallest motorhome category, commonly known as campervans.

* Class C motorhome: Mid-sized motorhomes that measure up to 33' feet in length.

* Conventional/Fifth-wheel trailers: These often have larger living spaces and are pulled behind a vehicle. Separate coverage may not be required if you have a robust auto policy, though it should still be considered.

* Pop-up campers: These contain an expandable living space and are hauled behind another vehicle. Similar to travel trailers, coverage may not be required, though it is worth considering to protect the camper and your personal belongings inside it.

Recent years have seen an increase in the popularity of Class B motorhomes, commonly known as campervans. These are the smallest vehicles in the motorhome category and are valued for their smaller size, making them more maneuverable without sacrificing comfort.