Updated: February 2016
A motorhome can bring certain freedoms when you're on the road. Of course, you're careful as you navigate your home-on-wheels on the open road, but have you put other important protections in place? If you own a motorhome or if you're thinking about buying one, here some some things to consider about insurance.
You may find some of the same coverages offered by auto insurance are available for motorhomes. The typical motorhome insurance policy may include the following coverage options. Keep in mind that coverage limits — the maximum amount your policy will pay — will apply to each type of protection.
Comprehensive coverage. This type of coverage may help pay to repair or replace your motorhome from non-collision-related risks such as fire, hail, vandalism or theft.
Collision coverage. This protection may help cover the costs of repairing or replacing your motorhome after it's in a motor vehicle accident. Be sure to read your policy or contact your agent for help determining whether you have enough coverage in place.
Liability coverage. Suppose you are found at fault for an accident that injures another person or their property. Liability coverage may help pay for the injured person's medical bills or help cover the costs of repairing their property.
Contents coverage. Consider all the stuff your motorhome contains. From kitchenware to clothing to electronics, the value can quickly add up. Contents coverage may help cover the expense of replacing your belongings if they are damaged by a covered event.
Medical payments coverage. This protection may help cover medical expenses or funeral expenses that you or your passengers incur as the result of an accident.
A local agent can help answer any questions or assist you in adjusting your coverage limits or your deductible — the amount your policy requires you to pay before insurance kicks in.
Most states require motorhome owners to have a minimum limit of liability coverage. But, in some cases, you may find that you're required to carry other types of coverage. For instance:
- Financing a motorhome. If you're financing your motorhome through a lender, you may find that the lender requires you to carry comprehensive and collision coverage on the vehicle until it is paid off.
- Renting a motorhome. While you may find that your home or auto insurance provides limited protection for a motorhome that you rent rather than own, a temporary policy through the rental company may help cover you in additional scenarios.
Be sure to read your policy or contact your local agent so that you know what your policy covers — and so that you can ensure you are meeting any requirements that may be in place — before you begin cruising the open road in your motorhome.