You probably bought your motor home or travel trailer because it offers the best of both worlds: the ability to explore the world we live in and the convenience of your home each night when you pull over. Motor homes and travel trailers offer a freedom and joy that’s unique regardless of the size of the coach or fifth wheel.
But with this dual benefit also come some increased risks. As a vehicle, your motor home needs some auto-type insurance to protect you from crashes, medical costs, and the like while you’re driving on the road. But comprehensive RV insurance needs also to protect you when you have stopped and camped. That means you need insurance closer to what you find in a homeowner’s policy that includes features such as:
Personal Liability:
Protection in case someone is injured in or around your RV
Personal Property:
Enhanced property insurance that will protect the contents of your RV in case of theft or damage.
Additional Living Expenses:
Protection that helps pay for your cost of living if you are displaced from your motor home.
Attached Accessories:
Another layer of protection that covers your awning, tv antennas, or other accessories that might be damaged.
Other RV Insurance You Should Consider Is:
- Collision coverage
- Comprehensive coverage
- Uninsured motorists’ coverage
- Rental reimbursement coverage
- Towing coverage
Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.