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Understanding Rv And Motorhome Insurance Coverage
By Jim
Actually RV and motorhome is not as expensive as you may think in many cases. This is especially true if you shop around and do your homework rather than just accept the first policy that comes your way. Of course, this kind of due diligence can be a little time consuming, but it is often well worth it. You also don't want to just get away with as little as possible, especially if you happen to live and travel in your motorhome. Your goal instead is to get the most coverage for the best price.
Of course you will want to have collision coverage for any RV that you use on the open road, as accidents can happen anywhere and without warning. But you need to ask about what kind of collision coverage you are getting. For instance, if the entire RV is destroyed or damaged too badly to be repaired at a fair cost, how much will you receive for it? If you don't have a policy that provides for replacement cost, you may wind up receiving a much smaller settlement that will be inadequate for buying another comparable RV to replace it. So be sure to ask and if it costs more to get this kind of total replacement coverage, it's often a good idea to go ahead and get it anyway.
Another important coverage for motorhome owners to consider is personal liability that covers
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not only a personal injury claim resulting from an on the road accident, but also an accident that may arise while you are parked in a campground. Most RV policies have the former, but many lack the latter kind of insurance. But suppose someone slipped and fell coming out of your RV while it is parked, or was injured in some other way on your campsite while staying overnight? It can be a wise choice to have the added coverage that provides for just such situations.
Also examine what the personal property damage coverages are in your RV policy. The typical amount of property damage coverage is very small and wouldn't even begin to cover all of your valuables and possessions in the case of a major accident. And if you carry a lot of expensive things with you as you travel, you may find that you would not have enough provided by your coverage to replace them if they were destroyed. Oftentimes increasing this kind of coverage is not very expensive, so why not investigate it and see what is offered?
Finally, be sure to inquire about any and all discounts that are available to you as a motorhome owner. Many companies will offer discounts for good driving, for non-smokers, for anti-theft devices and more. It never hurts to ask and see if you can get quality coverage for less.
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