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Motorhome Insurance by Legacy Insurance

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Motorhome Insurance provided by Legacy Insurance

Motorhomes are distinct from caravans – which do not legally require a separate insurance policy to be used. Put simply – if your vehicle has an engine, it is a motorhome rather than a caravan. Because motorhomes can travel without being towed, they are classed as road vehicles and must therefore be insured for the road, like every other motor vehicle.

What is motorhome insurance ?

Motorhome insurance is designed to protect you financially if something were to happen to your motorhome. This could be anything from injuries or property damage you cause while driving, to theft, vandalism and fire damage. 

What does motorhome insurance cover?

You may find some of the same coverages offered by auto insurance are available for motorhomes. A typical motorhome insurance policy may include the following coverage options.

  • Collision coverage: This protection may help pay for the cost of repairing or replacing your motorhome if it’s damaged in an accident with another vehicle or object. 
  • Comprehensive coverage: Damage can also be caused by something other than a collision. Comprehensive coverage may help cover the cost of repairing a motorhome if it’s damaged by hail or fire, for example. 
  • Liability coverage: Suppose you are found at fault for an accident that injures another person or their property. Liability coverage may help pay for the injured person’s medical bills or help cover the costs of repairing their property.
  • Contents coverage: You may find that motorhome insurance offers limited coverage for personal belongings you’ve brought with you on the road. Check your policy to learn about any content coverage it may provide.
  • Medical payments coverage: This protection helps cover medical expenses or funeral expenses that you or your passengers incur as the result of an accident.
  • Personal injury protection: This type of protection, available only if you live in a no-fault state, may help cover expenses such as medical bills, lost wages and funeral expenses that result from an accident with your motorhome.

How much does RV insurance cost?

The average premium for a 12-month RV insurance policy at Progressive in 2020 was $502 for a travel trailer and $848 for a motorhome. Liability-only RV policies at Progressive start at just $125 per year. The cost for RV insurance varies significantly based on numerous factors, including your type of motorhome or travel trailer, location, usage, and driving experience. Pricing for RV insurance policies range remarkably due to the scope of RV types and classes, along with the typical components that influence your cost for motor vehicle insurance. Here are some notable factors affecting RV insurance rates:

  • Type
  • Age
  • Condition
  • Usage
  • Location
  • Coverage selection
  • Driving experience
  • Driving record
  • Claims history

Already have Motorhome Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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