You did it. You bought the motorhome of your dreams. Now it’s time to hit the open road! But wait; there are some insurance considerations to take into account before you put that big, bad RV in gear.

 

Your RV does much more than get your from one place to the next. It allows you to truly live while you travel. Your motorhome is a hybrid of your home and a vehicle. As such, you’re going to need a hybrid insurance policy to ensure you stay covered while on the road.

 

So here are seven things to consider when buying RV insurance:

 

Collision is Key

Liability coverage is available for motorhomes, but most owners opt for collision coverage. An RV is a big investment and only having liability leaves you vulnerable to a large loss in the wake of an accident.

 

How Many Days?

First and foremost, you need to think how many days a year you’ll be living and traveling in your RV. Many insurance carriers create RV policies with seasonality. This means most policies won’t be in place for the full year. They’ll only be for a certain number of days.

For example, a common RV insurance policy allows for 150 days of travel and living each year. This means you only pay for coverage when you’re on the road. Once you store the RV in the off-season, you won’t be paying for that – as the RV is stored away then.

 

Do You Need Assistance?

Many RV owners opt for additional support coverage for their RV. Just like car insurance, you can also add roadside assistance to RV insurance. This ensures you’ll have aid on the way for flat tires, gas tank issues, and other inconveniences.

 

Far Away Assistance

Many travelers use their RV to visit far off places, countries, and landscapes. That’s one of the smart aspects about having a motorhome. However, an RV can break down when you’re far from home. If this happens, traditional roadside assistance may not be able to reach you. In these cases, you would need to opt for upgraded emergency assistance when buying RV insurance.

 

New Motorhome Insurance

If your RV is brand new, then there’s a good chance you made a pretty big investment. You can add loan or lease protection to your RV insurance, too. This can ensure you won’t have to continue making monthly payments on a motorhome that’s sitting in the salvage yard.

 

Personal Property and Your RV

You will have many items in your RV. You may be living there for long periods of time. Personal property coverage can be dicey. You’ll need to speak with your agent about how much coverage your policy has. You’ll also need to talk about coverage for custom features like stereo systems or custom wheels.

 

Saving on RV Insurance

Here at Protective Insurance Agency, we want you to save on RV insurance and still get great coverage. So you’ll always want to ask about discounts and see if you qualify. If you’re looking for a policy with the same carrier who provides your home and auto insurance, you should find some good deals.