You probably bought your motor home or travel trailer because it offers the best of both worlds: the ability to explore the world we live in and the convenience of your home each night when you pull over. Motor homes and travel trailers offer a freedom and joy that’s unique regardless of the size of the coach or fifth wheel.
But with this dual benefit also come some increased risks. As a vehicle, your motor home needs some auto-type insurance to protect you from crashes, medical costs, and the like while you’re driving on the road. But comprehensive RV insurance needs also to protect you when you have stopped and camped. That means you need insurance closer to what you find in a homeowner’s policy that includes features such as:
Protection in case someone is injured in or around your RV
Enhanced property insurance that will protect the contents of your RV in case of theft or damage.
Additional Living Expenses:
Protection that helps pay for your cost of living if you are displaced from your motor home.
Another layer of protection that covers your awning, tv antennas, or other accessories that might be damaged.
Other RV Insurance You Should Consider Is:
- Collision coverage
- Comprehensive coverage
- Uninsured motorists’ coverage
- Rental reimbursement coverage
- Towing coverage
Getting the right recreational vehicle insurance doesn’t have to be expensive or difficult with an insurance expert on your side.
Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.
Recreational and full-RV timer insurance are the two most common types. Recreational insurance will protect your RV inside and out when you’re on the road or parked at a campsite if you don’t live in it full-time. A full-time RV insurance policy is for people who live in their motorhome or travel trailer full-time. Many of the coverages will overlap with a recreational policy, but you’ll be able to add coverages like personal liability and loss assessment that are similar to homeowner’s insurance.