What is motorhome insurance?
Motorhome insurance is a type of specialized insurance policy designed to protect motorhomes (also known as RVs or campervans) against risks like accidents, theft, damage, and liability. It is similar to car insurance but includes additional coverage tailored for motorhomes, which serve as both vehicles and living spaces.
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What Does Motorhome Insurance Cover?
Coverage varies by provider and policy, but common features include:
- Liability Coverage – This covers damage or injury you cause to others in an accident.
- Comprehensive Coverage – Protects against non-collision incidents such as theft, fire, or natural disasters.
- Collision Coverage – Pays for repairs or replacement if your motorhome is damaged in an accident.
- Personal Belongings Coverage – Covers items inside the motorhome, such as electronics, appliances, and personal belongings.
- Full-Time RV Insurance – Provides extra protection for those who live in their motorhome full-time.
- Roadside Assistance – Offers help in case of a breakdown, such as towing, fuel delivery, or flat tire service.
- Vacation Liability – This covers injuries that happen to guests while your RV is parked at a campsite.
- Emergency Expenses – Pays for temporary accommodations if your RV becomes uninhabitable due to a covered loss.
Who Needs Motorhome Insurance?
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- Anyone who owns a motorhome (whether for occasional trips or full-time living).
- In most places, liability insurance is legally required, just like for cars.
- Those financing their motorhome may be required by lenders to have comprehensive collision coverage.
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