Medium-duty truck Insurance coverage

Many RVers who would like to purchase a medium-duty vehicle to pull their RV or horse trailer are confronted with a stark reality: difficulty finding proper insurance. Of the few companies offering coverage for these units, most require them to be on commercial policies which are often expensive as well as confusing for the insured. Also, these policies usually have strict mileage limits from the garaging address listed on the policy.

Explorer Insurance Agency has access to an insurance program that was one of the first to realize that the medium-duty trucks were being used more frequently as personal vehicles pulling towable units. The medium-duty truck is insured for personal use and not as a commercial vehicle, as long as the intended primary use is to tow the fifth wheel, travel trailer, or horse trailer. The underwriters understand that the true nature of the truck is recreational as its purpose is to pull a recreational vehicle, so it is insure as such.

Through this program, the medium-duty truck can be insured as a stand alone vehicle with the standard auto coverages or combined on one policy with the towable unit. However, there is a significant premium difference if the fifth wheel or travel trailer is included on the same policy. The specialty RV coverages are still available to the recreational trailer in this case. The ability to place both vehicles on one personal policy simplifies everything for the insured with one policy, one bill.