Motor home Insurance

There’s nothing like the feeling of hitting the open road in a motor home, aka recreational vehicle, or RV. The last thing you want is an accident or a theft to ruin your good time, but if unforeseen events occur, motor home insurance gives you peace of mind.

Insurance options

Opt to cover your motor home with an endorsement on your auto insurance policy, or choose specialized insurance that effectively combines car, travel and home or renter’s insurance in one package. Because you are living in your motor home part of the time that it’s in use, you need extra coverage due to liability risks and the potential for loss.

For example, you need protection if someone injures himself inside or near your motor home. You also need personal property coverage for valuable items you might have on board, such as cameras, electronics, and equipment or appliances.

Costs

Rates vary widely because the RVs themselves cost anywhere from a few thousand for a nonmotorized trailer to millions for a luxury motor home. Typically, you’ll pay less for motor home insurance than car insurance. After all, most people drive an RV less frequently than a car.

Your driving record, age, gender, average days in use and other variables all factor into your rate. Ask your agent about any discounts available for which you might qualify. Also consider getting replacement cost coverage over actual cash value so you’re able to replace the RV in the event of an accident or a theft.

Extra coverage

There’s a host of additional coverage you may choose to include in your coverage, such as coverage for pet injuries, vacation liability and roadside assistance. Take a fine-toothed comb to your policy to be sure it adequately covers every detail as it pertains to your home on wheels.