Owning an RV or Motorhome allows you to explore the country with the comfort of home. RV and Motorhome insurance policies provide the protection you need while on that journey. Excellence First Insurance helps you take that journey without worrying about the financial consequences that could arise if an accident involving your RV or Motorhome occurs.
What Does RV & Motorhome Insurance Cover?
RV & Motorhome insurance policies provide coverage similar to automobile and homeowners insurance. If your RV or motorhome is in an accident, stolen, or damaged by another covered peril like lightning or fire, a RV & Motorhome insurance policy protects you from the resulting financial losses.
Types of RV & Motorhome Insurance Coverage
There are many different types of insurance coverage options available for your RV & Motorhome. Each policy varies based on your personal needs. A typical RV & Motorhome insurance policy may include the five following primary types of coverage:
Collision Coverage
Collision coverage pays for the cost of repairing or replacing your motorhome if it is damaged in a collision with another vehicle or object. This coverage may offer protection for the physical structure of your RV or motorhome and interior built-in features such as sinks and permanently installed electronics.
Comprehensive Coverage
Collisions aren’t the only way your RV or motorhome can become damaged. Comprehensive coverage pays for the cost of repairing or replacing your motorhome if it is damaged from a non-collision related incident such as hail, falling objects, fire, and theft. In some circumstances, comprehensive coverage also covers the costs of water damage.
Liability Coverage
Liability coverage pays for the costs you are legally found responsible for as a result of an accident involving your RV or motorhome. These costs can include things such as medical bills for others injured in the accident, property coverage for damages to someone else’s property, and costs associated with being sued such as legal fees and awards.
Personal Injury Protection (PIP) or Medical Payments Coverage
Personal Injury Protection (PIP) or Medical Payments Coverage provides coverage for damages resulting from injuries sustained by the driver or passengers in your RV or motorhome during an accident. These damages can include medical bills, lost wages, and more.
Contents Coverage
Contents coverage covers the costs of repairing or replacing personal property that was damaged in a coverable incident involving your RV or motorhome.
Additional RV & Motorhome Insurance Coverage Options
There are also additional types of coverage you can add to expand the protections of your RV & Motorhome insurance policy. Some of the most common RV & Motorhome additional insurance coverage options include:
• Special equipment coverage
• Roadside Assistance
• Towing & trailer coverage
• Emergency travel expenses coverage
The licensed insurance agents at Excellence First Insurance carefully review the details of your RV & Motorhome insurance policy to ensure you understand the coverage you have. Contact us today to have one of our licensed agents help you find the coverage you need so you can enjoy your next journey on the open road!
Ready for your insurance review? Call or fill out the form below to request an appointment.
What Do You Want To Insure?
