When you own a motorhome, you might be looking forward to enjoying a lot of great adventures, but an accident can quickly turn your dream trip into a nightmare. As a combination of a “home away from home” and a vehicle, motorhomes have special considerations when it comes to insurance, so seeking out the right policy to protect you no matter what happens is essential. Motorhome insurance provides liability coverage and protection for owners of recreational vehicles and motorhomes.
Who Should Acquire Motorhome Insurance?
Most states require liability insurance on your motorhome if it will be driven on public roads. It also could be quite a good idea for additional coverages. This way it can help to protect your investment under several specific circumstances.
Motorhome Insurance Coverage
Motorhomes are like homes in the sense that they tend to contain more valuable items than a standard vehicle would, and repairs can be a lot more expensive. In addition, their large size means that the damage to the motorhome and other vehicles involved in accidents can be significant. Motorhome insurance coverage considers all of the angles that are involved in owning this special type of property.
Bodily Injury Liability
Bodily injury liability will help to protect you and to protect other insured drivers in cases where someone is injured or in the unfortunate event someone is killed by another person in a covered accident for which you are held legally liable.
Property Damage Liability
Property damage liability will protect you and other insured drivers in the case you should damage the property of another person as long as it’s in a covered accident that is deemed to be your fault. This is a great way to ensure your protection against high costs.
Collision coverage is a good choice that will help to pay for the damages that were caused when your motorhome is involved in a covered accident.
If you are looking for more thorough coverage, a comprehensive policy can cover the damage to your motorhome caused by floods, vandalism, fires, theft and falling objects. It will provide help with repairs or replacement depending on the circumstances of the covered event.
Contents coverage will cover the property that is inside your motorhome if it is destroyed or damaged by lightning or fire. This will make sure the more expensive appliances and tools that you use every day are covered.
Medical Payments Coverage
No one wants someone to get hurt in an accident, but if the unfortunate event does happen and someone does get hurt make sure you are covered. If you or your passengers are injured in a covered accident, this will help take care of any necessary medical treatment.
Towing & Labor Costs Coverage
Having your motorhome breakdown is never in the plan for anyone, but it does happen. The cost of any labor that is carried out on the spot in a breakdown will be covered with this type of policy, along with the expenses related to towing.
Rental Reimbursement Coverage
An accident can be stressful enough on its own, and being without your motorhome while it is being repaired can leave you without a reliable method of transportation. Rental reimbursement will cover the cost of renting another motorhome or car should something happen to your motorhome related to your coverage that renders it undriveable for a period of time.
Speak To The Specialty Motorhome Insurance Today
If you have a motorhome or are considering purchasing one, reach out to the specialty insurance brokers at Merchant Family Agency today to find out how you can protect yourself and your investment so you can make the most of the fun and flexibility that comes with owning a motorhome. Please give us a call at 407.707.6418 or request a quote online today.