Camper / RV Insurance Guide

Factors to think about when choosing a RV insurance provider:RV Insurance

  • Camper Type and model
  • Your other insured vehicles
  • Your driving history
  • Trailers don’t necessarily have to have insurance in some states, but it’s highly recommended you get coverage regardless of your state’s policy.
  • What level of coverage you want. Some options include:
    • Suspended coverage option: This is a great option if you are not a full time traveler. It will allow you to suspend your coverage while you are not using your RV, saving you a lot of money in the off season.
    • Replacement cost of personal belongings: Like homeowners insurance it will cover all your belongings inside the camper.
    • Emergency coverage: If your RV breaks down, this plan will cover all you living expenses while your RV is in the shop.
    • Full-time traveler or short-term traveler liability coverage: Will cover anyone who is injured in or next to your RV.

Our recommended RV insurance providers based on our research and experiences:

  • Good Sam VIP Insurance
  • Explorer RV
  • Foremost
  • Progressive
  • RV America
  • Twin Peaks Insurance

Buying a New or Used Camper

Now that you have a general idea of what type of camper you would like to buy. It’s time to start the hunt. Here are some general helpful camper buying tips:Buying Camper

  • In many ways buying a camper is much like buying a car. New or used prices are usually open for negotiation and it’s generally expected to get a lower price than whats advertised.
  • To be prepared for negotiations, do your research first. Don’t talk to the dealer or owner until you know the wholesale or fair market value (FMV) of the camper.
  • Take the camper for a test drive.
  • Inspect the camper with using our checklist to make sure everything is in working order as described.

Where to buy?

  • Buying Online

Buying online offers huge advantages. You access to almost all campers for sale in the country, you have access to a lot of information and most of all it will save you tons of time.

Buying Online Tips: If you are buying used you will still need to buy a camper in your general area, simply because you MUST have the camper inspected and should give it a test drive as well before purchasing. When buying from an individual always research the finance history, past ownership records and ask for maintenance records of the camper.

Great Websites for Buying Online:

  1. http://www.rvt.com/index.php?pos=header_logo
  2. http://www.rvtrader.com/
  3. http://motors.shop.ebay.com/RVs-Campers-/50054/i.html
  4. http://www.campingworld.com/rvsales/
  5. http://rvs.oodle.com/used-rvs/30680/
  6. http://www.generalrv.com/
  • RV Shows (Find RV Shows Near You)RV Show

RV Show Tips: Many times RV show representatives will sell the floor models at a great discount so they don’t have to have them moved back to their storage facilities. If you have one, bring your smart phone or tablet so you can google RV prices and details, before you walk up to the booth.

  • RV Dealers (Find RV Dealers Near You)

RV Dealers Tip: Don’t make any rush decisions. Despite what the dealer says, you can go home do more research, think it over and come back when your ready. It’s likely the whatever deal was offered will still be there the next day.

RV Costs on the Road

Here are some reoccurring RV costs that you may run into on the road:RV costs

Gas
RV Insurance
RV Park
RV sites, camping grounds etc.
RV Propane
RV License & Registration fees
RV Loan
RV Maintenance

Also take into consideration regular life expenses such as:
Pets
Cell phones
Mail forwarding services
Food

List of Small Camper Options:

Here is a list of common small camper amenity options. This list does not have every single option out their, but is to give you a good idea of whats available.

camper options

List of Small Camper Options:
Additional Outlets
Air Bags
Air Conditioning
Air Conditioning
Alloy Wheels
Aluminum Jack Extension Plates
Auxiliary Side Awning Light
Awning
Batteries
Battery Box
Battery Pack
Bed storage divider
Boat loader
Brakes & Wheels
Canvas
Carpet
Cold Weather Insulation
Colour Body
Cooktop with oven
Cupboards with drawers
Deluxe Kitchen
Digital Controls
Dinette
Drawbar
Electric Brakes
Engel Fridge 55L
Extended Bed
Extended cab-over Bunk with pull-out drawer
Extension Bar
Extra 12v outlet
Extra Bayonet
Extra Bedside Window
Extra Power Point
Fan
Flush Mount Glass Top Appliances
Fridge Box
fridge with gas connection
Front Opening Window
Front Opening Window Boot
Galvanised Chassis
gas bottle
Generator
Grill upgrade
Hand pump on draw bar
Heat Ducts
Hide-A-Bed
Hot water
ide Awning
Independent Suspension upgrade (off road models)
Innerspring Mattress
Inside Fittings
Inverter/Charger
Jerry Can Holder
Kitchen And Gas
LED Exterior Lighting
Led Lights
light portable
Lockable water filler
Locker Box
Mains pressure on draw bar
Mains pressure on kitchen
Metho burning stove
Microwave cupboard
Microwave oven
Microwave Oven
Off Road Hitch (Trigg)
Origo Single Burner $240.00
Outboard bracket post
Outside Fittings
Outside speakers
Override Disc Brakes
Pantry cutting board
Porch Light
Porta Loo cupboard
Pot Shelf
Power pack
Power, Light & Air
Privacy flaps and poles
pump and faucet
Rack & Ladder
Reading Light
Rear Awning
Rear Flood Lights
Rear Wall Bike Rack
Rear Wall Steps (better access to the roof)
Refrigerator
Refrigerator
RHS Locker Door
Roll up side wall
Rollout Slimline BBQ
Roof Rack
Roof Fly
Roof Lift Assist
Room Divider
Satellite Dish
Scissor Step
Shock Absorbers
Shower unit
Silent Winch
Single Beds
Single burner stove.
Single Tyre Carrier
Skylight
Smart Charger
Solar Panel Kit
Solar Panels
Spare Wheel Wind Up Kit
Stainless steel pantry
Stainless Steel Pantry
Stereo
Stone Guard
Stone Stopper Mud Flaps
Storage Bay
Suspension & Chassis
Swivel Jockey wheel
Toilet
Tool Boxes
Torklift
Tropical roof
TV Antenna
TV Coaxial outlet
Under bed drawer
Utility Swing Away Rack
Water Tank
Wok Burner

Camper Types



In helping you choose the right type of camper we have separated all of the small campers into 6 basic categories.

Pop up Campers:
(Also known as Pop Up Trailers or Folding Trailers)

Pop up Camper

Pop up campers are the smallest, lightest and least expensive of all the categories. Typically they are used for camping trips, if you were looking for something to live in on a more permanent basis you may want something bigger.  Pop up campers are easy to park and because of their weight are also the easiest to tow. When unfolded they can triple in length. Sleeps up to 8 people. New they start at $4000 and can be as much as $23,000.

List of Pop Up Trailer Manufacturers and Brands

Tow Vehicle NeededFull size car, minivan, SUV  or truck

PROS: Less expensive and value holds longer. When not needed you can unhitch the trailer and take your vehicle out on drive. Doesn’t require special vehicle to tow, easy to hitch and unhitch. Low height clearance. Tows on a standard hitch ball. If you have engine trouble, you can still stay in the camper while your vehicle is being fixed. Easy to store.

CONS: Not quite large enough for long term living, limited amenities. No one is allowed in the camper while driving. Due to overall length with your vehicle, parking and finding camping spots can be more difficult.  Not much installation during winter.

Travel Trailers:
(Also know as a Caravan)

Travel Trailer

Travel trailers come is a wide range of shapes and sizes. They can be anywhere from 8 to 34 feet long. The largest sizes can sleep up to 10pp. New these can run from $5,000 to $45,000 depending on amenities. The smaller size travel trailers get great gas mileage.

List of Travel Trailer Manufacturers and Brands

Tow Vehicle Needed: Typically a full size car, minivan, SUV  or truck

PROS: Less expensive and value holds longer. When not needed you can unhitch the trailer and take your vehicle out on drive. Doesn’t require special vehicle to tow, easy to hitch and unhitch. Low height clearance. Tows on a standard hitch ball. If you have engine trouble, you can still stay in the camper while your vehicle is being fixed.

CONS: No one is allowed in the camper while driving. Due to overall length with your vehicle, parking and finding camping spots can be more difficult.

Teardrop Trailer:
(Also known as Teardrop Camper)

Camper Types

Teardrop trailer is really a sub-group of travel trailers, but because of their popularity they get their own listing here. They’re not only stylish, but highly functional. They can be anywhere from 8 to 22 feet long. Typically they sleep 2-4 people. New these can run from $4,800 to $32,000 depending on amenities. Due to their aerodynamic shape and light weight they get great gas mileage.

List of Teardrop Trailer Manufacturers

Tow Vehicle Needed: Typically a full size car, minivan

PROS: Less expensive and value holds longer. When not needed you can unhitch the trailer and take your vehicle out on drive. Doesn’t require special vehicle to tow, easy to hitch and unhitch. Low height clearance. Tows on a standard hitch ball. If you have engine trouble, you can still stay in the camper while your vehicle is being fixed. Teardrop trailers get great gas milage and easy to store.

CONS: No one is allowed in the camper while driving. Due to overall length with your vehicle, parking and finding camping spots can be more difficult. No bathroom.


Class C Motorhome:

Small Camper

Class C motorhomes can range from 16 to 42 feet in length. They have a van or truck front with a gas engine and an extra bed over the cab. Most Class C motorhomes have a bedroom over the cab, kitchen and bathroom. They can sleep up to 8 people. New they start at $42,000 and go up to $200,000

List of Class C Motorhome Manufacturers and Brands

PROS: You don’t have to go outside to enter the camper section. Passengers can be in the camper section while driving. You do not need to make pit stops for bathroom breaks.

CONS: If you need something fixed, your entire home goes to the repair shop, possibly leaving you having to find other accommodations. Expensive to tow. The value of this camper depreciates faster because the motor is part of the unit.

Camper Van:
(Also know as a Class B Motorhome or Caravan)

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Everyone knows the classic VW bus from the 60s, but camper vans come in many different shapes and sizes. Camper vans are full size vans built with a cozy living space. Some of the more equipped models even come with a bathroom, television, kitchens, etc. Some people live full time camper vans, but generally they are too small for permanent living. Sleeps up to 4 people. New they typically start at $50,000 and can be up to $135,000.

List of Camper Van (Class B Motorhome) Manufacturers and Brands

PROS: Low gas mileage. Can also be used as a family car when needed. Easy to drive. Low vehicle height. You don’t have to go outside to enter the camper section. Passengers can be in the camper section while driving. Easier and safer to drive.

CONS: Limited space. If you need something fixed, your entire home goes to the repair shop, possibly leaving you having to find other accommodations.  The value of this camper depreciates faster because the motor is part of the unit. Really built for only one person or couple to sleep.

Truck Camper: 
(Also know as a Pick-up Camper)

Truck Camper

Truck campers are made to attach to the back of a pickup truck. This camper has more mobility than all other categories. Because the truck camper is hauled by a pickup truck it can handle rougher terrain and steeper grade roads. Typically this type of camper has the entrance in rear and bedroom over the cab. Fancier models can have a kitchen as well. Can sleep up to 6 people. New they run from about $5,500 to $50,000.

List of Truck Camper Manufacturers and Brands

Tow Vehicle Needed: Pick up truck

PROS: Maximized mobility

CONS: Vehicle height clearance, limited amenities (no toilet)

Campers and RVs that are too big to make the list: 
Fifth Wheel Trailer, Class A Motorhome, SURV Trailer or Sport Utility RV

Also check out: Buying a Camper Guide, Camper Manufacturers List, and Accurate Ratings of Camper and RV Manufacturers