What is an RV or Camper Trailer?
An RV is designed as a self-propelled motor vehicle with a living area a part of the vehicle. In order to be eligible for an RV insurance policy, the RV will typically have plumbing as well as facilities for cooking, refrigeration, dining and sleeping.
The coverage’s that apply to an RV insurance policy, are all the usual coverage’s of a personal auto policy: liability, medical payments, uninsured motorist, collision, and comprehensive.
What is a Trailer or camper body?
Any recreational trailer, like a motor-home is equipped with living quarters. A camper trailer, which will also have living quarters, is a unit transported by a pickup. Camper bodies and trailers are not self-propelled vehicles.
Physical damage coverage for a camper trailer policy must be purchased and to be eligible, the insured must maintain a “permanent residence other than the recreational trailer.