Making sure you’re covered
Motorhome owners are a special breed. We love to take to the highway and traveling is more than just a means to get from point ‘A’ to point ‘B’—for many of us,the journey means as much as the destination.
While Motorhome owners enjoy being on the road and getting away from all the hassles and problems back home, many mistakenly assume that Motorhome insurance is about the same as car insurance.
There are several important differences to be aware of. In fact, if you don’t have proper insurance for your Motorhome, you could end up facing financial hardship if you should have an accident.
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What makes Motorhome insurance unique?
Motorhome Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.
Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your Motorhome becomes your home and needs to be protected against theft, fire, liability and other disasters.
Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and this is only one important coverage option you might consider.
Who Needs Motorhome Insurance?
There are several classes of recreational vehicles and they each need special insurance:
Fifth-wheel trailers like larger homes on wheels are specifically made for pulling on the highway and camping or long-term use.
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Standard insurance policy coverage will depend on your Motorhome. Units that are motorized need the same kind of coverage as your car, like liability, comprehensive, and collision.
If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer Motorhomes will need insurance coverage for damage,both on and off the road.
Motorhome Insurance companies
When you insure your Motorhome, you might want to consider these important options:
The Crosby Insurance Brokers Difference
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. So if you’re at all concerned for your financial well being, you should investigate what you are offered carefully, and consider a relationship with a reliable guide.
There’s no such thing as a one-size-fits-all insurance policy.
We’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Click on the quote request button now and let the professionals at Crosby Insurance Brokers help you forge the strongest shield possible to help you protect the things you care about most.