Motorhomes come in all shapes and sizes, which means there are multiple ways to insure them. If you’re planning to buy a motorhome and aren’t sure about the insurance requirements in Oklahoma, contact us at Insurance Source Solutions. We’ll walk you through the different types of coverage and help you comply with state requirements.
Insurance for Self-Propelled Motorhomes in Oklahoma
Motorhomes are categorized into three classes: Class A, Class B, and Class C. These recreational vehicles are self-propelled, meaning they are driven rather than towed.
Since motorhomes are driven like other motorized vehicles, they must have insurance. However, motorhome insurance differs from standard vehicle policies because these RVs serve as both transportation and residences. In Oklahoma, the state requires motorhome owners to carry a separate RV insurance policy with minimum coverage for property damage and bodily injury.
Motorhome owners may also have access to additional coverage options, such as personal property coverage, attachment coverage, vacation liability, full-time coverage for RVs used as primary residences, and emergency expense coverage. Our agents can explain each type of coverage and its benefits to help you make an informed decision.
Is My RV Considered a Motorhome?
Suppose you’re interested in a camper trailer or fifth wheel that is towed rather than self-propelled. In that case, these types of recreational vehicles may be partially covered under your standard vehicle policy. However, this coverage is limited to when the RV is being towed by your vehicle. Like self-propelled RVs, it’s recommended to purchase a separate policy that provides more comprehensive coverage for your fifth wheel or camper trailer.
Contact Us
At Insurance Source Solutions, our team is dedicated to ensuring your motorhome is adequately insured for your adventures in Oklahoma. Contact us today using our online form, email, or call to request a quote and learn more about your options.
