Reader’s Question:

Our son bought us a camper van for our pearl wedding anniversary. However, he suggested that we should purchase a camper van insurance. What makes it different from regular car insurance? What does camper van insurance cover?

Molly and Charles

Chicago IL

Wow! A new camper van is a grand gift in deed for your 30th wedding anniversary. Then it would be better is if it has a new camper van insurance-just like what your son proposed. So, if you are looking for camper van insurance quotes from car insurance companies; you have to go to the RV, not the car section. A camper van is categorized in the United States as Class B under Recreational Vehicles (RV). Thus, before buying camper van insurance coverage, you should understand the terms and options. When you own a camper van, additional protection is needed because regular car insurance may not protect you fully. The insurance coverage will vary depending on whether or not you use the camper van as your primary residence.

Camper van insurance offers the same coverage as regular car insurance but with a few more options.

• Same coverage applies such as: Bodily Injury and Property Damage, Comprehensive and Collision, Roadside Assistance, and Liability insurance
• Emergency Expense Coverage: temporary living expenses and travel expenses can be covered while your camper van is being repaired.
• Vacation Liability: This includes coverage for bodily injury liability and property damage liability for incidents that occurs at a vacation site. Comprehensive and Collision insurance may be included if the camper van is not your primary residence.
• Replacement Costs of Personal Items: Since your camper van is like your home, you need to insure the belongings within it. Your insurance may cover these items and a percentage of the items lost or damaged.