It’s more than your car! It’s your summer home! Finding the right insurance coverage for a RV or Motorhome can be difficult. Look at what you have inside your motorhome and how much it is worth to you. If your RV is a motorhome (class A or B), you may be required to have insurance beyond your homeowners policy. Ask your agent at Anderson-Watkins Insurance to see what you are required to have per State Laws.
Most motorhome insurance will offer many of the same things as your auto insurance for coverage as well as the extras you may need for the valuables you store inside.
So what is covered? Let’s explore.
Basic Insurance Coverage terminology
Bodily Injury Liability – If someone is injured from an accident you caused with your motorhome, this coverage will help cover medical expenses, loss of income, pain and suffering.
Property Damage Liability – Helps pay for damages to another person’s auto or property if you cause an accident.
Collision – If you are in an accident, regardless of who is at fault, collision will pay for the damage to your motorhome.
Comprehensive – This helps pay for non-collision damage such as vandalism, theft, falling objects, fire, storms, floods and other natural disasters.
Uninsured Motorist – If other drivers do not have liability insurance, this will help pay for injuries and damages they cause you or other passengers in your motorhome.
Underinsured Motorists – Each state has its’ own laws for uninsured motorists. Protect yourself if they do not have enough to cover injuries to you or your passengers.
Medical Payments – It doesn’t matter who is at fault. When you have medical payment insurance it will help pay for medical bills for you and your passengers.
Other Options to ask your agent
Towing and Labor
Safety Glass Replacement
Your knowledgeable insurance agents at Anderson-Watkins Insurance are here to help you determine what you need for insurance coverage on your RV and Motorhome. Contact us today and learn about your options before your next vacation!