Motorhome Insurance

Motorhome InsuranceWhat to Look For in a Motorhome Insurance Policy

The biggest mistake many motor home owners make is insuring their RV on an auto policy. At claim time, they may discover they don’t have the specialized coverages they need. And that can be a very unpleasant surprise!

Myths and Realities of motor home insurance

Here are some of the myths and realities of motor home insurance that you may want to consider when looking for an insurance policy for your motor home:

Myth: “An auto policy is good enough for my motor home.”

Reality: Most auto policies don’t cover personal items carried in a motor home. Most don’t include liability insurance when the motor home is parked and used as a residence. Most do not cover attached accessories like awnings, antennas, roof-top air conditioners and satellite dishes. And most don’t cover expenses for lodging or traveling home if you can’t stay in your motor home because of a covered loss.

Myth: “A motor home is essentially the same thing as a private passenger auto.”

Reality: Actually, there are enormous differences. How many cars carry 100 pounds of LP gas, 300 gallons of water and up to 200 gallons of wastewater while they’re traveling down the road? How many cars have refrigerators, sleeping quarters and bathroom facilities? How many cars have built-in ovens or other facilities for open-flame cooking?

Myth: “My homeowners policy will cover all my personal property on the road.”

Reality: Most auto policies don’t include comprehensive coverage for personal belongs, and homeowner policies typically place strict limits on off-premises coverage and require a sizable deductible to be paid first.

Our providers also offers outstanding emergency expense coverage. Unlike typical auto policies, our motor home policy pays for temporary housing or travel expenses to get you home if your motor home is damaged while you are on the road. We’ll even pay to transport your damaged motor home to your home, a repair center, or a storage facility.