Camper Van Insurance

A camper van, or Class B RV, is a great way to get off the beaten path yet still have most of the luxuries of home along for the ride. Did you rent a camper van and decide to purchase one of your own for weekend getaways? Did you sell everything you own and decide to RV full-time? Regardless of what led you to #vanlife, purchasing insurance for your camper van is a must. Whether you plan on using the van one day a year or 365 days a year, having the best RV insurance is important. If you’re financing your home on wheels, insurance will be required before you even drive your new home on wheels off the lot. Here is everything you need to know about buying insurance for your camper van. 

Types of van insurance

Just like auto insurance, you have choices when it comes to camper van insurance. Things to take into consideration when choosing the right option for you include the value of the van, your personal belongings inside the van, and how the vehicle will be used. Most Class Bs are insured just like any other RV. But if your van is a conversion, insurance can be a bit different. If you are living in your van full-time or using your investment to generate rental income, your insurance is going to look different. Here are some options when it comes to insuring your camper van. 

Liability coverage

Most states require camper vans to have at least liability coverage on the road. Liability covers damage done when you are at fault. Bodily injury liability covers medical bills if anyone else is hurt in your accident. Property damage liability will pay for repairs or replacements for other vehicles/property involved in your accident. Pro to liability coverage for your camper van is the low cost. Con to only having liability insurance is the fact that it doesn’t cover your rig, belongings, or body. 

Comprehensive and collision coverage

In order to protect your assets you’ll need comprehensive and collision coverage on your van. You are covered whether the damage was your fault or not. Comprehensive covers damage not caused by an accident with another vehicle such as a window broken during a break-in, paint damage caused by hail, or a fender falling off after hitting a deer. Collision insurance is for damages that take place during an accident with another person. While comprehensive and collision coverage isn’t required by states, it can be a requirement if you are leasing your van or renting it out. The biggest pro here is the fact that if your van is damaged or totaled, you’re covered. 

Fulltime Insurance

If you live in your van at least six months out of the year, you’ll need fulltime RV insurance. With full-time RV insurance, you can expect coverage to include personal liability, medical payments, and loss assessment. Fulltime insurance can also cover items such as porches, HOA fees, and debris removal. If you are using your van as your primary residence, it’s definitely advised to spend a little extra on fulltime insurance to make sure any claims aren’t denied. 

Van Conversion Insurance

If you are doing your own camper van conversion you want to make sure you have insurance set up properly to insure coverage. What a shame it would be to spend all of that time and money on your new tiny home and lose it if something goes wrong!

DIY  van insurance is a specialized type of insurance coverage that is designed for individuals who have converted their own van into a livable or work-related space. This type of insurance is necessary because standard auto insurance policies may not provide adequate protection for a converted van. The conversion process, which often includes installing electrical systems, plumbing, and other fixtures, can make the van more vulnerable to damage and theft.

Van conversion insurance typically covers physical damage to the conversion, as well as personal property stored inside the van. It also provides liability coverage in the event of an accident involving the van. Some policies may also include coverage for roadside assistance, trip interruption, and personal effects.

When shopping for insurance for a converted van, it is important to carefully review the coverage options and determine what level of protection is necessary for your specific needs. This may depend on factors such as the type of conversion work performed, the amount of personal property stored in the van, and the intended use of the van.

How much does it cost to insure a camper van?

The cost of insuring a camper van varies depending on factors such as age and make of the vehicle, driving history, and location. On average, camper van insurance can cost between $500 to $1,500 annually. However, for older or less valuable vehicles, the RV insurance cost can be lower, around $250 to $800 per year. If you have a good driving record and no prior claims, you may be eligible for a lower premium. Location also plays a role in the cost of insurance, with rates varying based on the frequency of theft, accidents, and natural disasters in the area. Other factors that can affect the cost of camper van insurance include the level of coverage you choose, such as liability, collision, and comprehensive coverage.

Don’t risk being SOL if you experience damage to your camper van. Make sure you have proper insurance for your vehicle and its usage. Get out there and enjoy the great outdoors stress-free knowing you’re covered! Hope to see you down the road!

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