There is great care required when considering the various motorhome insurance policies out there and in selecting which one will be right for you and your RV, what ever it maybe.
This is because there are many different types of options out there, and not all of them will provide you with the right amount of coverage. For example, if you take out a policy that is simply an extension of your typical auto insurance policy, then your coverage may not entirely protect the special needs that are required for the motorhome itself.
Keep in mind that many auto insurers do not actually specialize in this type of vehicle and may not be taking into account all of the various issues and features that must be considered in vehicles that are much larger, heavier, and multifunctional than a regular car. Moreover, the insurers may also not be considering that some motorhomes run on either LPG or a regular gas and LPG mixture, increasing the risk potential for a fuel explosion.
Most motorhome owners adore their vehicles and have purchased them even though they come with a very large price tag. For most people, only the purchase of their actual house is a more expensive purchase in their entire lifetimes.
There are several risk factors that must be considered for the use and coverage of motorhomes, including the elements and road conditions whether you’re near home or travelling long distances away from where you live. While you are journeying in your home away from home, you will want to know for certain that it is protected against theft and damage to the vehicle itself, like special equipment such as a motorized aftermarket RV awning, and the valuables it contains.
Talking points for your agent would include; do you have coverage for additional equipment, do you need full timers liability coverage and is your personal property covered in the event of theft or fire.