{"id":6257,"date":"2022-07-18T11:22:22","date_gmt":"2022-07-18T18:22:22","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=6257"},"modified":"2022-12-21T11:12:13","modified_gmt":"2022-12-21T11:12:13","slug":"does-a-homeowners-insurance-policy-cover-an-rv-in-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/does-a-homeowners-insurance-policy-cover-an-rv-in-california\/","title":{"rendered":"Does a Homeowners Insurance Policy Cover an RV in California?"},"content":{"rendered":"\n

Your homeowners insurance policy may cover your RV if it is parked on your property. In some cases, you may need to add a rider to your home insurance policy. Typically, though, your home insurance is inadequate to protect your recreational vehicle, and that\u2019s why there\u2019s such a thing as motorhome and RV insurance<\/a>. Because it\u2019s a much better coverage fit than homeowners insurance or car insurance or anything else for your recreational vehicle. <\/p>\n\n\n\n

Those last two words\uff0drecreational vehicle\uff0dpoint out how complicated the topic can be. So let\u2019s start there. <\/p>\n\n\n\n

What is a Recreational Vehicle in California? <\/h2>\n\n\n\n

You think you can easily answer that, right? RVs are those big, hulking beasts forever-feet long and with more square footage than your first apartment. And you\u2019re right. <\/p>\n\n\n\n

And wrong. <\/p>\n\n\n\n

The State of California Department of Motor Vehicles<\/a> defines the RV\u202fas: \u201cA\u202fmotorhome, housecar, travel trailer, truck camper, or camp trailer; with or without motive power; designed for human habitation, or other occupancy.\u201d<\/em> <\/p>\n\n\n\n

Housecar?<\/em> No idea\u2026 <\/p>\n\n\n\n

The point is, a recreational vehicle can be anything from a modest tent camper<\/a> towed on a trailer behind your car to, well, that housecar thing, we suppose. <\/p>\n\n\n\n

When most people think of RVs, they\u2019ve got those big, self-contained vehicles in mind. The kind where a driver sits up front. A single vehicle that\u2019s \u201cwith motive power,\u201d as the California DMV puts it. So that\u2019s the kind of vehicle we\u2019re writing about now. <\/p>\n\n\n\n

As a general rule of thumb, if it needs to be towed to get from point A to point B, then it most likely does not need RV insurance or motorhome insurance in California. If it gets there under its own power, then it most likely should have its own insurance. <\/p>\n\n\n\n

What Are the Different Classes of Motorized RV\u2019s or Motorhomes? <\/h2>\n\n\n\n

Oddly, these traveling digs go from Class A (the largest) to Class B (the smallest) with Class C in the middle. <\/p>\n\n\n\n