Class A motorhome insurance runs $1,200�3,000/yr. Class B/C: $800�1,500/yr. Travel trailers: $300�700/yr. Full-timer coverage (living in it) costs significantly more. Campground liability and emergency roadside add-ons are worth having � a Class A breakdown on the highway without roadside can cost $500�1,500 just for the tow.

Budget $1,000�2,500/yr minimum even on a well-maintained unit. Annual roof reseal ($300�800), chassis service, tire replacement ($1,500�3,500 for a Class A set � and RV tires age out before they wear out), generator service every 150 hours. Major slideout or roof failure: $5,000�20,000. Water damage repair can total a unit.

Campground fees ($30�100/night or $500�1,200/mo for full hookups), storage when not in use ($100�400/mo for a covered spot), propane refills, dump station fees, registration by weight class (can be $500�1,500/yr in some states), annual inspection and winterizing ($200�400/yr in cold climates).

RVs depreciate 20�30% in the first year � a 3-year-old unit can be 40�50% off MSRP. Sellers who financed new are often underwater. Use water damage findings, roof reseal age, tire DOT dates, and generator hours as real negotiation points � each is a cost you're inheriting. Low-hour generators add value; high-hour ones subtract it.

Any soft floor, ceiling stains, delaminated sidewalls, or musty smell � these signal water damage that may be hidden. Walk away from any seller who resists you walking the roof or using a moisture meter. Slide-out problems, failing A/C units, and non-functional appliances are expensive to fix and often deferred by sellers for a reason.