MOTOR HOME INSURANCE
Your motor home is both your home-away-from-home and a means of transportation. That's why motor home insurance combines the protections offered by both automobile and homeowner’s policies, including protection from loss due to fire, smoke, theft, vandalism, landslides, hail, windstorms, and collision. Motor Home insurance also provides coverage for your personal property, emergency expense coverage such as lodging, and campsite/vacation liability coverage, which protects you if you are using your motor home as a residence.
Benefits of Motor Home Insurance
- Protection from a range of perils, including collision, fire, smoke, landslides, hail, and windstorms.
- Emergency expense coverage including lodging.
- Campsite/vacation liability coverage protects you if you are using your motor home as a residence.
- Replacement coverage for both your motor home and your personal belongings.
- Medical benefits in the event you are injured in your motor home.
- Medical payments, in the event someone else is injured in your motor home.
- Towing and roadside assistance.
- Full-time liability coverage.
Features of a Motor Home Policy
- Motor Home insurance is typically purchased and renewed annually.
- Premiums based on the type, size, and age of your motor home, where you live, and how much you drive.
- Premiums also based on your age and gender, the address at which the vehicle is principally garaged, and your driving record.
- Discounts for maintaining a good driving record or owning multiple policies with the same insurer.
- Option to reduce your out-of-pocket premium by increasing your deductible.
Elements to Consider
- Premiums may increase if you are an inexperienced driver or if you live in a high-risk area.
- Premiums may increase if you have a poor driving record or a history of accidents.
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