Do I Need Motorhome Insurance?

Motorhome insurance is a lot like auto insurance, but with more options to cover the unique features and risks of RVs.

Even though a motorhome is usually much more valuable than a car, you might be surprised to find out that motorhome insurance is usually more affordable than auto insurance. That’s in part because RV owners are typically more experienced drivers, and motorhomes are driven less often than cars.

The type of motorhome insurance you need will depend on several factors, including the type of RV, how often it’s driven, what it’s used for, and whether you own it outright.

Insurance is required for drivable motorhomes

Just as with regular cars, you’re required to carry a basic level of insurance for your drivable motorhome. Specific requirements vary from state to state, but you’ll most likely be required to have liability coverage, no-fault coverage, or both.

Of course, if you don’t own your motorhome outright, then the financial institution that you have the loan with will most likely require you to carry full coverage.

How motorhome insurance is different from auto insurance

The main difference between a motorhome and a regular car, when it comes to insurance, is the fact that motorhomes are typically driven less often than cars. Because of this, you’re likely to spend less on motorhome insurance than auto insurance.

A motorhome insurance policy can also cover things like:

• Personal items
• Trailers
• Awnings
• Pet liability
• Roadside assistance
• Much more

Get the coverage that is right for you

The amount of motorhome insurance that is right for you will depend on your specific situation. An insurance agent who takes the time to get to know your unique needs will be best equipped to find you a policy that covers exactly what you need covered.

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