How “recreational vehicle” is defined

The definition of "recreational vehicle" can be kind of broad. It essentially means any vehicle equipped with a bed that you can sleep in. No, this does not mean that your truck is legally an RV because you threw a mattress in the back, but it does include houseboats, travel trailers, vans decked out with living quarters and so on, as well as conventional motorhomes.

Not all of these vehicles make sense to cover on an RV policy with Western Republic Insurance Services. A houseboat, for instance, would be better covered by a boat policy specifically designed for the risks and liabilities involved in maritime travel.

Recreational vehicles do not necessarily include many vehicles that are, technically, recreational vehicles. A four-wheeler is more of a vehicle for recreation than it is for travel or work, but if it can’t fit a bed, then you probably won’t be covering it on an RV policy.

Anything that you plan on driving is going to require some kind of insurance policy to be on the road in Huntington Beach, CA, but it’s worth noting that travel trailers do not require liability coverage. It’s a good idea to insure them because you don’t want to replace a travel trailer out of pocket, but if it doesn’t have an engine in it, you generally won’t need liability protection. You can park an RV on your property and use it as a guest room without insurance, but you’ll need to renew your policy if you hope to take it on the road again.

"Recreational vehicle" is kind of a funny term. Many of us use motorhomes as our primary residence, while many vehicles we use for recreation are not covered. In any event, if you want to get covered and drive safe, get in touch with Western Republic Insurance Services and see what they can do for you.