What are the different types of RVs?

RVs are usually divided into two broad categories: motorhomes and trailers. The main difference is that you can drive motorhomes while trailers need another vehicle to tow them. There are different types of RVs within these broad categories depending on the RV's size, layout, amenities, and kind of chassis.

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Types of RVs and motorhomes

RVs that are motorhomes have a built-in motor and are motor vehicles. You can divide these types of RVs into three categories: Class A, Class B, and Class C.

Class A motorhomes

Class A is the largest type of motorhome. They have a unique chassis designed specifically for use as a motorhome. They are often comparable in size to a tour bus and come in diesel and gasoline-powered varieties, measuring up to 45 feet long in most states. Their size allows for more luxurious accommodations, such as large bathroom and kitchen areas. Some of the largest (and most expensive) Class A motorhomes even include a mobile garage big enough for a small car.

Learn about Class A motorhome insurance.

Class B motorhomes

Class B motorhomes are the smallest type of motorhome, usually built on a van chassis and sometimes called a campervan. Despite their small size, they generally need to meet basic living needs and contain a kitchen and sleeping area to be considered a motorhome. Class B motorhomes can be up to 25 feet in length but are usually under 21 feet long.

Learn about Class B camper van insurance.

Class C motorhome

Class C motorhomes are a mid-sized option that offers more space and features than a campervan. They also offer better maneuverability and fuel economy than luxurious Class As. They are usually built on a truck chassis and have an overhead area above the cab for extra sleeping or storage space. Class Cs are typically between 20 and 31 feet long.

Learn about Class C mini motorhome insurance.

Protect yourself & your RV

RV insurance is legally required in nearly every state, specifically liability insurance. With liability coverage, you're protected financially for any injuries or property damage you're responsible for after an accident involving your RV. Plus, you can get coverage for physical damage to your home away from home. Quote RV insurance today and enjoy a little more peace of mind while on the road.

Types of RVs for towing

Trailers are categorized as a type of RV along with motorhomes. The difference between motorhomes and travel trailers is that you drive a motorhome and tow a trailer. Trailers vary in size, layout, capabilities, and intended use. Here are the most common trailers:

Cargo & utility trailer

Cargo and utility trailers are for transporting ATVs, motorcycles, equipment, horses, food — practically anything — from point A to point B. Sizes vary based on what they're designed to carry.

Conventional travel trailer

A conventional travel trailer is used for camping and traveling, with many offering basic amenities such as a kitchen and bathroom. These trailers are typically lightweight and can be towed by an SUV or pickup truck using a ball and coupler hitch.

Fifth-wheel trailer

Fifth-wheel trailers are longer and heavier than conventional travel trailers, offering more square footage, large kitchen and bathroom areas, and bigger fresh and wastewater storage tanks for longer trips. Due to their large size, these trailers must be towed by a pickup truck with a jaw hitch attached in the bed.

Pop-up camper

Pop-up campers are lightweight trailers that include a small living area enclosed within a tent-like structure. Their small size makes them one of the most affordable types of RVs, and they're also the easiest trailers to tow. Depending on the model, you may find pop-ups with a sink, fridge, and small bathroom.

Your auto insurance will not cover damage to your trailer, so it's essential to have the right type of RV insurance coverages to protect you. Learn more about the different types of trailers you may also want to insure.

What type of RV should you buy?

To decide what type of RV is best for you, first decide if you want a motorhome or a travel trailer. Then outline a budget. These two factors can narrow the field considerably since some of the larger motorhomes can cost as much as or more than a small house.

Also, consider how many people can fit in the RV and whether you'll use the RV for vacation or full-time living. If you plan to live in your RV full-time, you may want more amenities, and you'll need to consider full-time RV insurance for added protection.

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