Why You Need to Insure Your RV
Most states in the United States require that all vehicles have at least liability insurance in case of an accident. This includes insurance for your motor home. Insuring you motor home will protect both your motor home and your finances. The policy you purchase should pay for any damages to you or your motor home in the event of an accident. You will need to research which insurance companies are willing to issue policies on a motor home.
First, if you are already doing some form of business with an insurance group you should look into their services for starters. This is because in various cases you can get a discount for having multiple policies with the same company.
Where to Look for RV Insurance
The internet is another great place to go to check for insurance companies and the products that are available in your area. You could consult with RV Facebook groups to get suggestions for motor home policies that are available. You should remember to then look into the reliability of the insurance companies that you are considering to make sure the company trustworthy and safe. Check the Better Business Bureau or Chamber of Commerce.
Family members, friends, or church members can be a great source to get recommendations for a reputable insurance company. Many insurance companies will do business exclusively online as well. You can look for motor home insurance online, but you should watch for the companies that have these policies available. This is because not all of these groups will be well set up or reliable. Again, the reliability and trust of these companies is something that you should look into. Of course, you should know that some companies will have special online discounts for customers who reserve their policies online.
What Your Policy Should Include
You should look into a policy that insures both your motor home appliances and your tow vehicle. Automobile insurance does not cover your appliances, this could result in multiple thousands of dollars to replace damaged equipment due to an accident or fire. get a policy that covers personal property. If you are like me, you have computers, lap tops, navigation equipment, communication equipment, cell phones, clothing, and the list goes on. Some states do not allow this coverage, so check on this too.
You can easily find information on these companies through reviews of their services. Check for online reviews about the insurance company. Motor home insurance is something that you should use for your motor home. You can find this form of vehicle insurance through various different offices around the country, including some online sites. You can even get discounts by going online or by sticking with the insurance company you may already have policies with. The best recommendation would be to start by calling your current automobile insurance agent.
All of the articles on my blog come from being a camper from the time I was eight years old. I bought my first RV when I was 30, a tent trailer. I traded the tent trailer for a 26′ bumper pull trailer, then a 5th wheel, and I now have a 38′ Newmar Mountainare Class A motorhome. Once I retired from the Motion Picture Industry after a 39 year career, my wife and I sold the house, and moved into the motorhome. We have been traveling, managed an RV Park in Washington, worked at a lake in Southern California (I was the Maintenance Manager), and are planning our seventh season as the campground hosts at a campground in the Los Padres National Forest, in Southern California. We love the Full Time RV Lifestyle. See my course on https://howtofulltimerv.com
