Making sure your motorhome has the coverage you need for safety and protection.
Whether you live in your recreational vehicle year round (full timers rv insurance), or if it is taken out of storage only one time every year for that eagerly awaited summer vacation, it is vital that you make certain that it is always covered by the right RV insurance that will protect you against any potential damage risks.
Since a motorhome is more than just a commuter car, there are many unique coverage points to think about.
This coverage can either be a part of your standard auto policy or it can be purchased as a separate form of protection . Just make sure that when you do make your choice, you will have everything you need to cover in case damage occurs to the vehicle for a fire or a collision, you will be able to receive your payment to protect this significant investment.
As a recreational vehicle is pretty much a house that can travel around on wheels, it is just as important to make sure that the possessions within it are covered as it is to protect the actual motorhome. Should there ever be a collision, theft, or a fire, you will need to know that your belongings, such as your flat-screen TV, your expensive audio equipment, and any other valuables you have contained within the vehicle will be protected.
Before you buy or renew your next RV insurance policy, make a list of all of the expensive items that you have in the vehicle and note what it would cost to replace each of them. Elements such as satellite dishes or antennas may require a separate rider for coverage, depending on the insurer you choose.
Pay attention to the number of miles covered by your plan, as some policies have a limit.
If you will only be using the vehicle a few times every summer, then this probably won’t be a problem. However, if you are a year-round traveler then mileage limits could make a significant difference to the value of the plan for your needs. If you are unsure about whether or not your policy provides the right amount of coverage, contact an RV insurance agent to have your questions professionally answered.