Shopping for motorhome insurance is like shopping for car insurance and homeowner’s insurance all in one package. You need to make sure you are covered for just about any kind of scenario– on the road or off the road.
On the Road
Motorhomes require insurance just as any other vehicle on the road does. If you can drive it, by law you have to insure it. This protects you as well as the other drivers. However, you need to make sure you have enough insurance to cover yourself as well as the other driver. You may think you have enough, but will it cover the contents of your motorhome, your own medical bills, and possibly the medical bills and automobile of anyone whom you might be involved in an accident with?
Off the Road
Damages to the Motorhome
Your motorhome needs coverage even when it is parked. A natural disaster, theft, or any number of things can happen. You have most likely invested a lot of time and money in your motorhome and you need to make sure that you are not going to have to pay out of pocket if something happens. Something as simple as a fallen tree branch could cost you a bundle if you don’t have the right insurance or you don’t have enough of it.
Passengers or Residents
Your insurance needs to include coverage for those who stay in or visit your motorhome. Accidents happen all the time. Kids might run in and out and trip over something, hurting themselves severely. Does your insurance cover such things? Unless you want to pay out of pocket, make sure it does. Just like your homeowner’s insurance, your motorhome insurance needs to cover the people as well as the motorhome. In the end, you are the one who is responsible.
One of the most commonly overlooked details concerning motorhome insurance is the contents. In a safe place, you need to keep an inventory of all your contents. Your insurance should be such that you could replace everything in the motorhome if need be. This includes items you only have in the motorhome when you are using it, as well as appliances like the stove and refrigerator. If you don’t have the right coverage, you may end up losing more than what you normally keep in your motorhome.
When it comes to motorhome insurance, the details matter. Your insurance premium can vary depending on how much time you spend in your motorhome. For instance, as a part time camper you might pay more than as a full time camper, depending on the other details of your insurance. Protect your investment and personal finances by making sure you have enough coverage to manage the worst case scenario.