Whether you’re just starting out with a brief trip, or a veteran full-time motor homer, having a motor home can be a great experience for you and your family.
Standard coverages for most motor homes include Comprehensive (theft) Coverage, Collision Coverage and Liability Coverage (while the vehicle is being driven).Depending on your usage and they type of vehicle you have, the standard coverages may not be enough..........
Please speak with your agent regarding these optional coverages for Motor Home Insurance:
Coverage for Attached Accessories: Coverage for awnings, satellite dishes and TV antennas (Etc.).
Total Loss Replacement Coverage:Provides coverage that protects your motor home from the effects of depreciation. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your motor home if a total loss occurs. ACV is the current value of your motor home.
Emergency Expenses Coverage: This coverage can pay for lodging or travel home if your vehicle is damaged or destroyed by a covered loss.
Campsite/Vacation Liability Coverage: This coverage provides liability coverage when you are parked and using your motor home as a residence.
Replacement Cost Coverage:Provides coverage for personal belongings that are destroyed or stolen.
Towing and Roadside Assistance:Provides towing or roadside assistance for your oversized vehicle.
Full-Timer Coverage: provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your motor home as a vehicle, Full-Timer policy covers you when you are parked and using your rig as a residence, too.