When you are in an accident, it is important to have adequate Motorhome Insurance coverage. Your policy should cover bodily injury liability, which pays for your medical expenses if another driver is at fault for the crash. Collision coverage pays for RV damage if an accident occurs, and comprehensive coverage covers damages that don’t occur due to collision. You should also consider purchasing uninsured or underinsured motorist coverage, which covers your RV if you get into an accident with someone else. Personal injury protection covers your medical bills and lost wages, if you or a passenger are injured in an accident while traveling in an RV.
The price of motorhome insurance depends on several factors. For instance, the type of motorhome and where you park it can affect premiums. In addition to your driving record, consider whether you’ve made any insurance claims in the past and whether you have a no-claims bonus. Additionally, keep in mind that higher-value motorhomes will usually cost more to insure than other types. You may also want to consider buying an RV insurance policy if you plan to spend a lot of time traveling, especially if it’s an antique or classic.
Before you purchase RV insurance, think about what kind of vehicle you’ll be towing. A motorhome is a large physical asset, often worth as much as a home. In some states, RV owners must lend their RV to a licensed driver to ensure safety. Otherwise, your insurance policy won’t cover you if an unlicensed driver crashes your RV. For this reason, it’s important to make sure you buy RV insurance before setting out on your journey.