Motorhome insurance & RV Insurance & Travel Trailer Insurance
Since your motorhome is one of your biggest investments, it makes sense to cover it with an insurance policy so that you are protected against damage or theft. Shop around to find the best motorhome policy and examine the policy features and exclusions, as some providers only provide coverage for certain body types while others protect professionally built motorhomes.
Types of Motorhome/ RV Insurance
- Property damage liability protection if you are legally liable for damages to someone’s property in a covered accident.
- Bodily injury liability protection against injury or death of a person in an accident in which you are involved.
- Collision coverage against damages to your insured motorhome from an accident.
- Comprehensive coverage offers protection against any damage to your motorhome due to theft, fire, flood, windstorm, hail, lightning, falling objects, vandalism, non-collision losses, or sudden, direct and accidental loss.
- Contents coverage offers protection against loss or damage to your belongings in the motorhome, such as attached accessories, TV antennas, and satellite dishes.
- Medical expenses coverage for any bodily injury in an accident to you, your family, or other passengers.
- Personal injury protection coverage for reasonable and necessary rehabilitation, medical, or funeral expenses, work loss caused by accidents.
You may have the following optional coverages included in your policy, depending on your state and requirements:
- Total loss replacement coverage offers protection from the effects of depreciation. You can avail full replacement cost for having your new motorhome replaced if it is destroyed within the first five years.
- Vacation liability coverage provides cover against damages to your motorhome when it is parked and being used as a residence.
- Replacement cost coverage offers protection against stolen personal belongings in your motorhome.
- Towing and labor costs coverage in event your motorhome breaks down and requires towing, roadside service, locksmith service, fuel delivery, flat tire changes.