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Recreational Vehicles (RVs) are motorized vehicles or trailers used for camping or other recreational activities. What makes them different from regular vehicles is the presence of a living space that is usually found in homes. Mobile homes, off-road vehicles, snowmobiles or conversion vehicles are not considered as RVs. The Recreational Vehicle Industry Association (RVIA) differentiates towable RVs from motor homes:

  • Towable RVs – Designed to be towed by another vehicle and can be unhitched and left at the campsite or parking area
    Examples: Folding camping trailers, truck campers, conventional travel trailers, sports utility RVs, fifth-wheel travel trailers and travel trailers with expandable ends


  • Motorhomes – Living quarters accessible from the driver’s area in one unit
    Examples: RVs with luxurious amenities (sleeps up to six), van campers (can accommodate up to four persons), and RVs with optional sleeping space (can sleep up to eight)


The advantages of owning a recreational vehicle include convenience, flexibility to travel wherever and whenever you want to go, minimal costs and chores as compared to the demands of owning a home, and a possible wise investment. Most noteworthy, it allows you to live simply and provides unique mobility for you and your family.

Consequently, every owner is also aware of the demands of owning a recreational vehicle. Purchasing it alone may have already eaten a sizable part of your finances. Maintenance and repairs can be costly and hard to get especially if you are outside of the metropolitan area. Add to that the limited comforts you can enjoy and the sometimes strict rules enforced by many communities where RV parking is allowed.

One of the effective ways of lessening the challenges you have to deal with when owning an RV is to get an insurance that can offer as much cover as possible. When talking to an insurance expert, be detailed about the specific people who will prepare the policy, which items in your RV will be covered, the extent of coverage during theft, fire or loss, and if they provide roadside assistance. Most importantly, be clear about whether your RV is insured if you are traveling or when it is only parked at home.


By Dez Duran-Lamanilao