If you own a motorhome, you likely already have RV insurance. The question is: do you have the right recreational vehicle insurance package? RVs are one part home and one part vehicle, so your insurance policy really has to go the extra mile. One reason is that motorhomes are bigger than cars, so they have the potential to cause or sustain more damage in the event of an accident. Another is that they have more content inside, so you need to think about insuring it the same way you would your house. Motorhome insurance is a unique combination of both.
Another consideration if you’re in the market for motorhome or campervan insurance is how extensive of a package you’ll need. There are a number of additional services that can come in handy in an emergency. Things such as roadside assistance and gas delivery, towing, tire changes, battery boost and winching. You also might want your RV insurance policy to include reimbursement for expenses incurred living outside the RV while it is being repaired.
Recreational vehicle insurance applies to your trailer as well. Whether you live in your trailer year-round or use it for pleasure, it still differs from your regular home insurance. Trailer insurance is specific to the lifestyle, which means that you’re covered for things like roadside assistance and replacement cost.
If you plan on hitting the open road anytime soon, you might want to think about travel insurance. Also, find out more about protecting your home when you’re away.
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