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Does Insurance Cover Motorhome Damage?

Updated: July 2017

When you take your motorhome on the road, it may sustain some sort of damage during your travels. Whether it's an accident or hail damage, insurance may help pay for the costs of repairing the damage so you can get back on the road.

RV on the road.

Motorhome insurance policies typically come with a few different types of coverage that may help provide protection if your motorhome is damaged or is in an accident that causes damage to another person or their property. Here's a look at what a typical policy includes.

  • Collision coverage.
    This protection may help pay for the cost of repairing or replacing your motorhome if it's damaged in an accident with another vehicle or object. Collision coverage may extend to the physical structure of the motorhome as well as built-in features inside, like sinks or a permanently installed television.
  • Comprehensive coverage.
    Damage can also be caused by something other than a collision. Comprehensive coverage may help cover the cost of repairing a motorhome if it's damaged by hail or fire, for example. Comprehensive coverage may also help cover water damage. For instance, suppose during a rainstorm a tree falls on your motorhome, damages its roof and rain gets in. Comprehensive coverage may help pay for the resulting water damage to the motorhome's interior or items that are permanently built into it.
  • Contents coverage.
    You may find that motorhome insurance offers limited coverage for personal belongings you've brought with you on the road. Check your policy to learn about any contents coverage it may provide. You may also find that your property policy, such as homeowners or renters insurance, may help protect your belongings while they are in your motorhome.
  • Liability coverage.
    Suppose that while driving your motorhome you are in an accident that causes bodily injury to another person. Liability coverage may help pay for resulting expenses if you are found legally at fault.
  • Medical payments coverage.
    This coverage may help pay for medical expenses related to injuries you or your passengers sustain as the result of an accident.
  • Personal injury protection.
    This type of protection, available only if you live in a no-fault state, may help cover expenses such as medical bills, lost wages and funeral expenses that result from an accident with your motorhome.

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It's important to keep in mind that each type of coverage typically comes with a limit — the maximum amount the policy will pay out for a covered loss. You'll likely need to pay a deductible before your coverage will take effect.

Some insurers may offer additional protections, such as roadside assistance, coverage for a sound system installed by your motorhome's manufacturer or coverage for emergency travel expenses if damage to your motorhome leaves it unusable. Be sure to read your policy or contact your agent for help determining what types of coverage are available to you and whether you have enough to fit your needs.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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