Fifth wheel insurance is a type of RV insurance that specifically covers fifth wheel trailers. Fifth wheel trailers are towed behind a pickup truck or other type of towing vehicle, and they do not have their own engine or drivetrain. Fifth wheel insurance typically covers damage to the fifth wheel trailer itself, as well as liability for injuries or damage caused to others while towing or using the fifth wheel trailer. Fifth wheel insurance may also include coverage for personal belongings inside the fifth wheel trailer, as well as roadside assistance and towing.
Here is a table summarizing the key differences between RV insurance and fifth wheel insurance:
| Feature | RV Insurance | Fifth Wheel Insurance |
|---|---|---|
| Type of vehicle covered | Self-propelled RVs, such as motorhomes and camper vans | Fifth wheel trailers that are towed behind a pickup truck or other type of towing vehicle |
| Coverage for the vehicle itself | Yes | Yes |
| Liability coverage | Yes | Yes |
| Coverage for personal belongings | May be included | May be included |
| Roadside assistance and towing | May be included | May be included |
| Cost | Varies depending on the type of RV and the coverage limits | Varies depending on the type of fifth wheel trailer and the coverage limits |
It is important to note that the specific coverage provided by RV insurance and fifth wheel insurance policies can vary depending on the insurance company and the policyholder's needs. Insurance companies offer custom RV insurance quotes based on your RV type and towing history to provide proper coverage options. Be sure to read the policy carefully before purchasing to understand exactly what is and is not covered.
