There’s no getting around the need for insurance on your motorhome. Not only will insurance help to protect your asset, but you’ll also need proper coverage in order to legally be on the road. Without the proper insurance, you’re putting yourself and others at risk.
While motorhome insurance is mandatory, every rig is different. Therefore, coverage needs to adequately protect your investment. In order to ensure that you have the proper coverage, here are some tips for choosing the right type of motorhome insurance.
Insurance For The Right Class
To begin, you’ll need to get the right insurance that covers the type of class that your rig classifies under. Those include: Class A, Class B, and Class C motorhomes. Insurance coverage varies greatly for each class, so it’s imperative that you get the proper type. Your insurance agent can help you get the right type of coverage, but you’ll want to start by letting them know the type of rig that you’ll be taking on the road. Once you have this figured out, you’ll move on to finding the right coverage for your needs.
The Proper Coverage
Every motorhome owner has different needs for coverage. For those that only take their rig out a few times a year, you may not need the same insurance policy as someone who is living in their motorhome full time. To get the proper coverage, you’ll want to be thorough in the information you provide your insurance agent. Some questions that you’ll want to answer for them include:
- How frequently do you use the motorhome?
- Do you have custom aftermarket features that need additional coverage?
- Are you traveling domestically or across country borders?
As you answer these questions with your insurance agent, they’ll help you find the perfect coverage for your rig.
Pro Tip – While you may be traveling across state or even country lines, your insurance should be registered in the state you reside. This means you are held accountable to these rules and regulations, so consider finding an insurance agent near home.
Making A Claim
Motorhome insurance will cover you similarly to what you have on your normal everyday driver. In the event you need to make a claim, you’ll have some out of pocket costs, while the insurance covers the remaining fees. Be sure that you report all claims immediately and take thorough account of any accidents. The more you can show as evidence in your accident, the better protected you’ll be with your insurance coverage.
The Bottom Line
Your motorhome is an investment that will come with additional costs throughout the journey. For insurance, you can expect to pay anywhere between $1,000 and $3,000 per year, depending on how you use your rig. This may be a steep operating cost, but one that you should be aware of when getting invested into motorhome ownership.
You can’t escape needing insurance for your rig. To ensure you have the right coverage when you’re on the road, consider these tips for choosing the right type of motorhome insurance.
Do you have questions about purchasing a new or pre-owned motor home or just about the luxury motor home lifestyle in general? If so, please contact us so we can answer all of your questions and concerns!