Van Insurance: How to Insure Your Sprinter Van for Travel

Over the past couple of years, with the influence of the pandemic and more and more jobs going digital, the van life movement has grown by leaps and bounds. For many, living in your van and traveling is now an acceptable part of life. 

However, what does that mean for van insurance? When your entire life is packed in the walls of a van, do you need to insure your camper van differently? 

The short answer is yes. So before you pack up your sprinter van and hit the road, keep reading to learn the basics of insuring camper vans.

Understand the Differences

One of the most important things to understand is the difference between an auto insurance policy and a policy that covers your camper van. The difference can make a significant impact if you get into an accident. 

Standard Auto Policy

A standard auto policy covers your vehicle and your vehicle only. Insuring your van with a standard policy ensures that the vehicle is covered in the event of an accident, theft, or damage, but what about the special components of a camper van? 

Unfortunately, it doesn't cover your build in your camper van or your personal belongings that are stored inside. 

This means that if you spent thousands of dollars converting your sprinter van for van life and you get in a wreck, all of that is lost.

Class B RV Insurance Policy

Do you want your belongings and your build to get covered if something happens? If that's the case, you'll need a Class B RV insurance policy. 

This might sound a little confusing, due to the fact that we're discussing camper vans. However, it's all in the definition. 

Class B RVs are small motorhomes. They get built with panel trucks or automotive vans. If you're looking for Sprinter Van Insurance, this is the insurance that you will want. 

Depending on the van insurance provider you choose, you might need to register your van as a camper van. Different insurance providers also have different requirements for your van to qualify for a Class B RV insurance policy. 

For example, some insurance companies required that your van be built by professionals and won't cover DIY van builds. 

What Does a Class B RV Insurance Policy Cover?

There are several things that can get covered under a Class B RV insurance policy. These coverages can help give you the peace of mind you need about your small mobile home. 

RV Liability Coverage

Liability coverage covers bodily or property damage that could occur if you're in an accident. This coverage is required by law.

Different states will have different minimums when it comes to liability insurance. However, it's recommended that you get more than minimum coverage. 

You want to be sure that if an accident does occur, you're covered. 

Collision Coverage

Collision coverage is going to cover your vehicle. This insurance kicks in no matter who is at fault. 

It's important to get enough of this insurance to know that you will be able to pay for any potential repairs. 

Comprehensive Coverage

What about when something happens to your camper van, but it's not the result of an accident? That's where comprehensive coverage comes into play. 

This covers your van in the case of fire, vandalism, theft, or other non-collision circumstances. 

Uninsured or Underinsured Motorists Coverage

Insurance is required by law, but not everyone has it. In addition, the minimum required by law doesn't always cover all of the damage. 

If an accident gets caused by another driver who isn't insured or underinsured, what happens? You want to make sure that your van's occupants and your van are still covered. 

That's where uninsured or underinsured motorist coverage kicks in. 

Personal Property Coverage

If you're one of the 51 percent of van lifers who live in their vehicle full-time, you likely have your whole life inside the walls of your van. If your belongings get stolen with your van or destroyed with your van, what will you do? 

You need personal property coverage for your van. This will cover the personal items that you keep inside your van. 

Roadside Assistance and Towing

At some point in time, your tiny home is bound to break down, you'll lock your keys inside, or you'll run out of gas. What do you do when you're stuck on the side of the road? 

Make sure that your insurance plan covers roadside assistance and towing. They can help when the inevitable happens, and it will save you on the expensive fees that come with calling a tow truck without roadside. 

How Much Does Camper Van Insurance Cost?

Comparing insurance costs is always great when you're ready to insure your camper van. However, the cost of insuring your camper van will vary based on a few factors:

  • - Where you live
  • - Your driving record
  • - Age of your campervan
  • - Value of your campervan
  • - Type of RV insurance coverage
  • - Weight and length of your van
  • - Insurance company

The annual cost of Class B camper van insurance, on average, falls between 500 and 1000 dollars. Remember that your final bill will take into account various factors. 

In addition, if you choose to purchase higher amounts of coverage (which you should), your bill might exceed the average. 

Get Your Van Insurance Today

Van life is growing in popularity for many reasons. Van insurance can give you the peace of mind you need for life on the road. 

Are you ready to start shopping for van insurance? Highline Risk Solutions is here to make sure you get the coverage you need for your lifestyle. 

Contact us today to discuss camper van insurance options and what you need. 

Contact Us Today