RV Insurance

Louisiana is full of RV hotspots. When the children are out of school, and the parks are calling our names, it’s a great feeling to be able to load up the RV and hit the road. If you enjoy traveling, or even living on the road, you can protect your recreational vehicle with Louisiana RV insurance. RVs come in different types and sizes, which means that there is no one Louisiana RV insurance policy that works for every RV and every family. This article will help you understand your risks and find a policy that works for you.

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Virtually any vehicle that has some form of living quarters can qualify for an RV insurance policy.

• Class A motorhomes, with an integrated driver cab
• Class B motorhomes, or van conversions
• Class C motorhomes, with a private truck cab
• Bus conversions

The above RV types are all motorized, which means they require the state-mandated liability coverage, just like any other vehicle. An RV policy includes this liability coverage, plus protection specific to the needs of RV users, such as extra personal liability for accidents that take place inside the motorhome, and contents coverage, to protect your valuables.

The following RV types can be insured with an RV policy that functions like a trailer policy. They do not fall under state liability insurance requirements, because they are not motorized vehicles. However, an RV policy for one of these trailer-type RVs would include liability coverage for towing accidents, and for accidents that happen inside the RV, as well as contents coverage.

• Travel trailers and fifth wheels
• Toy haulers, with living quarters attached
• Truck campers, which attach to the bed of a pickup
• Pop-up trailers