Motorhome insurance is made up of coverages that are designated to protect you and your property and to assist with paying for unforeseen repairs to your motorhome and the contents of your motorhome. This insurance includes coverages specific to motorhomes. There are several things to consider when deciding on which insurance you will choose:
Motorhome Type
There are various types of motorhomes available. To find the correct insurance coverage, you need to be aware of the various insurances available for specific motorhomes. According to Upside Insurance, a South Carolina RV insurance agency, the three major types of motorhomes are:
- Class A: These are the larger types of RVs, which can reach up to 75 feet.
- Class B: These RVs are designed like cargo vans and are the smallest type.
- Class C: Class C motorhomes are medium sized and include fifth wheels.
What is Covered by Motorhome Insurance?
Motorhome insurance coverage is a combination of both home insurance and automobile insurance. It is vital to know what your insurance covers, so you will be prepared for the unexpected. This special type of policy normally covers:
- Collison
- Comprehensive
- Personal Injury
- Liability
- Medical Injury
- Consignment Insurance
- Full-Time Insurance
- Nearby Structure Coverage
Insurance Limits and Protections
Keep in mind that various insurance coverages include limits and protections. The limit is the greatest monetary amount an insurance policy will pay for losses covered by the policy. Deductibles are often included in insurance policies, including policies for motorhomes.
Vacation and Personal Items
You should know if your insurance will cover vacation damages both on the interior and exterior of the motorhome. When storing your RV, it should be protected against loss due to thieves. Ensure that you are adequately covered for items such as:
- Generators
- Camping Equipment
- Appliances
- Personal Jewelry
- Trailers
Trip Insurance
You will also want to check to see if the motorhome insurance covers trip insurance. This will allow you to pay living expenses still and have the necessary transportation as a way to get around, if your motorhome becomes inoperable, and needs to be towed away.
Roadside Assistance is a Must Have
Having the roadside assistance option will help with towing expenses and emergency repairs, should your vehicle need maintenance while on vacation. You should become familiar with which insurers offer these essential additional protections. Be sure to check your policy to see if roadside assistance is included, or if it comes at an additional cost. Roadside Assistance is critical for safety during unfortunate times when the motorhome breaks down.
Remember RV insurance is one of the most important insurance coverages you will need have. You have made a major investment in your motorhome, so covering it will further protect not only your investment but yourself, your property and other vehicles and property.