How To Get Motor Home Insurance Coverage WITHOUT Breaking The Bank!
Motor homes don't quite meet the definition
of vehicle, or the definition of a house. They're both, and neither.
So what kind of insurance do you need when you're coving your
motor home – homeowners
insurance or vehicle insurance? The answer is neither. While you
can technically cover your motor home with auto insurance, it won't
take care of you in every contingency. It's a better idea to purchase
specialty motor home insurance coverage to cover your investment.
While this may sound expensive, it doesn't have to be. There
are a number of companies that offer this kind of specialty insurance,
and, as with any other kind of insurance, you have the opportunity
to compare and contrast various plans.
Motor home policies provide important standard and optional coverage
that you can't get in conventional auto policies, and they don't
provide some of the unnecessary coverages of those policies. This
means that you get the coverage you need on your motor home, without
paying for extras that you won't use. Commonly, motor home insurance
includes comprehensive coverage for collision, fire, smoke, flood,
landslide, hail and storms, animals, vandalism and theft, and lightning.
They also cover attached accessories such as your awning and satellite
dish. Motor home coverage will also provide emergency expenses,
such as hotel rates if your home is damaged or destroyed by a loss
more than 50 miles from your primary residence. Campsite coverage
provides liability insurance when you are parked and using the
vehicle as your residence.
Specialty motor home insurance is important to protect your vehicle.
It doesn't have to cost a bundle, though. To get the cheapest motor
home insurance, check with several companies and compare plans
carefully before choosing your policy. Double check to make sure
that the policy you're considering covers your peripheral attached
accessories and the contents of the home as well as the vehicle
itself. You don't want to get caught without protection for your
belongings. If you need to cut costs, try raising your deductible
to secure a lower monthly premium. This will increase your out
of pocket payment should you need to make a claim, however, so
do this carefully. You can find an assortment of companies that
will cover your motor home by looking online, or in your local
phone book. Try checking into the background of your prospective
insurer to make sure that they have the financial solidity you'll
need in case you need to make a claim. It's important to know that
your insurer can back you up in an emergency. Other things to check
on include their handling of claims, rate of premium increases,
and general customer satisfaction. You want to be sure that your
insurer will treat you well, and isn't just out to make a profit.
If you shop carefully, and look for the right kind of specialty
insurance, you can know that your motor home is covered, without
having to worry about high premiums. Motor home insurance is an
important way to protect your investment.