Motorhome & Trailer Insurance 101
Having the right insurance is essential for protecting your property, its contents, and even your family. When it comes to insuring your motorhome, it’s important to understand that motorhome insurance isn’t the same as regular vehicle insurance. Below, we’ve compiled a list of all the things you need to know when getting motorhome or trailer insurance coverage.
Know Your Vehicle Type
When it comes to recreational vehicles, there are a wide range of options on the market. You’ll want to know exactly which of the following categories your vehicle falls into:
- Class A, B, and C motorhomes
- The driving area and the living/sleeping quarters all in one vehicle.
- These include travel trailers, fifth wheels, tent trailers, and truck campers.
- Park models
- Not very mobile, they are towed to a motor park where they are typically enjoyed as vacation homes.
Once you’ve identified the type of motorhome or trailer you own, you can start choosing the details of the policy.
Motorhome & Trailer Insurance
Motorhomes operate both as vehicles and as part-time residences, so getting a standard insurance policy for a vehicle is not recommended for motorhomes.
Motorhomes are insured much like your personal automobile. You will want to make sure the policy you choose covers liability, accident benefits, and physical damage as well as options such as loss of use and emergency expenses. Some vehicles will qualify for replacement cost coverage.
If you only anticipate using your motorhome for a few weeks or months out of the year, consider suspending certain coverages, like collision and accident benefits, for the rest of the year.
Coverage For Breakdowns
Not all motorhome insurance policies have the same coverage in the event of a breakdown. You will want to know that you are protected if you’re on a long road trip and you breakdown far from home.
Ask if your policy covers you while abroad, if it includes transportation to a garage, if there are limits on the size of the motorhome, and if you will need to return home in the event of a breakdown on the road.
Motorhomes can be like a second home and, as such, they’re likely to contain a lot of other valuable items. You’ll want to be sure that the insurance policy you choose includes coverage for the contents of the motorhome.
Consider Extra Security Features
You don’t want to purchase the cheapest insurance policy you can find, as often these kinds of policies are lacking in coverages you really need. There are a number of ways you can receive discounts on your motorhome insurance policy. Consider adding extra security features to your RV, like security cameras or extra locks on doors and windows. Keeping your motorhome in a secure location, where it’s unlikely to get stolen, is also a good way to get a less expensive policy.
Bundle Your Insurance
We always recommend trying to bundle your insurance products. Bundling your home, car, motorcycle, and recreational vehicle insurance will help you get the best rates and will ensure that you have cohesive insurance plan for all of your property.
At Jeffery & Spence Insurance, we can help you build and bundle the best insurance policies to fit your needs, whether you require motorhome, motorcycle, home, or cottage insurance. Contact us today to find out how we can help.