When you own a motorhome, you and your loved ones can hit the road any time you like for an exciting road trip. Of course, like when driving your car, you'll want to ensure that your motorhome is protected with adequate insurance coverage. This will give you greater peace of mind while out on the road, no matter where your journeys take you.
Depending on your auto insurance carrier, you may or may not be able to include your motorhome under your standard auto policy. Some insurers allow you to add on your motorhome just like any other vehicle. However, others require you to have a separate RV policy or do not offer the coverage at all, forcing you to work with another insurance carrier for your motorhome coverage.
What Motorhome Insurance Entails
Every state in the U.S. requires motorhome drivers to have insurance, and each state sets their own minimum coverage requirements. At the very least, you'll need to have liability coverage. Within this category, you'll have both bodily injury and property damage components. Bodily injury liability will apply to the medical expenses of anyone who is injured if you get into an accident while driving your motorhome.
Property damage coverage will fix the damage to the other driver's vehicle following an accident in which you are at fault. It will not apply to the damage to your motorhome; for this, you'll need to add collision coverage to your policy. This is an optional add-on that is typically not required by law, though your lender may require you to have it if you financed your motorhome.
Some states, but not all, also require motorhome drivers to include uninsured and underinsured motorist coverage in their policies, and most lenders will require this component as well. This aspect will protect you against other drivers who break the law and drive without insurance. It can also fill in any gaps in others' policies in the event that they are insufficient to pay for all the damages or medical bills in the aftermath of an accident.
Get Insurance for Your Motorhome
At PowerSports Insurance Agency, we are here to work with you to satisfy your motorhome insurance needs. We'll evaluate your current auto policy to determine whether your motorhome policy can be combined with it or you'll need a separate policy. Get in touch with our team today to learn more and get started.