Motorhome Insurance for Your Getaway Vehicle
Motor home owners need dual insurance coverage—protection for you and your family both while on the road, and while your home away from home is parked.
General Coverages
- Contents coverage pays to replace property in your motor home that is damaged by fire or lightning.
- Auto Liability coverage provides protection for property damage or bodily injury claims by a third party that result when you are found legally responsible for a car accident.
- Medical Payments coverage assures that you and the passengers of your motor home will receive necessary medical and dental treatment following injuries sustained in a covered accident, regardless of who caused the accident. Your medical payments will also be covered if you or your family is involved in an accident as a pedestrian.If PIP coverage is required in your state (see below), Medical Payments coverage may not be included in your policy in favor of PIP coverage.
- Personal Injury Protection (PIP) coverage, which only applies in states where it is required, provides you, your family, and any passengers with no-fault insurance for medical, dental, loss of work and other expenses, regardless of who is responsible for the auto accident.
- Uninsured Motorists coverage will pay for injury expenses incurred should you or your passengers be involved in an accident with an uninsured motorist, including hit and runs.
- Underinsured Motorists coverage, which varies by state, offers payment for your claims that follow an accident with another driver who is found legally responsible but does not carry enough insurance to cover your expenses. This coverage often applies to payments for bodily injury only, but property damage coverage is available in some states.
Damage to Your Motor Home
- Collision coverage pays for damage to your vehicle caused by accidental impact with another vehicle or object, or if your vehicle overturns. Maximum payout is limited to the actual cash value (also known as local market value) of your vehicle, less the collision deductible.
- Comprehensive coverage offers payment to cover most types of damage to your motor home resulting from a situation other than a collision, including fire, theft, flood, vandalism, and impact with an animal. Maximum amount payout is limited to the actual cash value of your motor home, less the “other than collision” deductible.Damages not typically covered include normal wear and tear, mechanical and electrical breakdowns, and flat tires.
Optional Coverages
- Towing and labor coverage pays your towing and labor charges each time your motor home becomes disabled.
- Rental reimbursement coverage covers rental car charges when your vehicle is damaged by a covered comprehensive or collision claim.
- Sound System coverage pays for certain types of losses to your motor home sound system, up to the policy limit.
This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.