Do you travel frequently in your motorhome? Then make sure you get the right insurance protection to protect the vehicle that is part car and part home.

Do you own a motorhome, travel trailer, camper, or another type of recreational vehicle (RV)?  Then it is important that you protect it with the coverage that only motorhome/RV insurance can offer.  In many ways, motorhome/RV insurance is very similar to auto insurance.  To start, motorhome insurance is state mandated just like auto insurance is.  This means that RV owners are required to carry minimum levels of bodily injury and property damage liability insurance to protect other parties from damages that you might cause while operating your motorhome.  Additionally, a similar set of optional RV coverages are also available.  For instance, coverages such as medical payments, collision, comprehensive, under/uninsured motorist are all available to motorhome owners.

While it makes sense that RV insurance would offer coverages that are similar to auto insurance, it’s also important to remember that your motorhome differs from cars in that it also represents a dwelling.  To reflect this important difference, motorhome insurance also offers the opportunity to add coverages that are reminiscent of a homeowners policy.  For instance, you can get coverages for the personal belongings that you might keep inside your motorhome and for the cost of temporary living expenses should your motorhome become uninhabitable.

In addition to these main coverages, there are other insurance options that might be available to you.  If you are interested in learning more about the special motorhome/RV insurance options available to you, then please don’t hesitate to turn to the experts at Premier Risk, LLC.  Our experienced team of insurance experts is eager to work with you to find the right policies to address your various risks.  Contact us to secure the proper insurance solutions for all your coverage needs.