The fifth wheel type of recreational vehicle (RV) has a towable trailer affixed or connected to it. Typically a pick-up truck that has a special hitch in the truck
bed, it is especially suitable for family vacations and weekend getaways as it can come with all the comforts of home. The towing vehicle can easily be detached so that it can be used for conventional purposes. The weight of the trailer must match the weight of the towing vehicle. The trailer’s design is bi-level which places the master’s bedroom above the truck bed. The 5th wheel is easier and safer to tow than a regular trailer but would require more caution and skill in handling than motor homes. Its introduction has given way to a specialized insurance called the 5th Wheel Insurance.

A 5th wheel insurance policy takes into account several factors including the RV type and model, the state in which the policy is issued, driving history of the insured parties, other vehicles in the household and the amount of coverage desired, among others. It is not advisable to insure an RV with a regular auto policy because of the significant coverage gaps that may arise resulting from full time liability, campsite liability, emergency expenses and replacement cost of personal belongings. Due to the fact that an RV’s size is significantly larger than a car, the potential damage that it can cause is also bigger thus the need for greater financial protection.