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7 Miscellaneous Personal Vehicles -- And How to Insure Them

Many people own and require insurance for vehicles that are not typical private passenger automobiles, but are not commercial vehicles either. Read on to see how rates and coverages for these vehicles differ from an insured's standard private passenger auto.

By Eric. A. Wiening and David D. Thamann, from Personal Auto Coverage Guide, 2nd Edition Revised | Updated on August 13, 2013

Many people own and require insurance for vehicles that are not typical private passenger automobiles, but are not commercial vehicles either. The Insurance Services Office (ISO) Personal Vehicle Manual contains rules (rule 19) and forms (PP 03 23 for most; PP 03 20 for snowmobiles) defining these vehicles for coverage purposes. Of course, while ISO sets a standard, individual insurers may deviate from it.

Motor Homes

The ISO rules manual says that a motor home is a self-propelled motor vehicle equipped with a “living area that is an integral part of the vehicle chassis.” A motor home typically has plumbing, as well as facilities for cooking, refrigeration, dining, and sleeping.

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