We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.
Finance

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

What Are the Different Types of Motorhome Insurance?

By Maggie Worth
Updated: May 17, 2024
Views: 4,888
Share

A motorhome is a large recreational vehicle that either contains an independent cab or is trailed behind an automobile or truck. It is used primarily for recreation, though some people do live in them full time. Like other cars and trailers, most governments require motorhomes to carry automobile insurance when being driven, such as collision, comprehensive, and uninsured motorist coverage. In some areas, additional special motorhome insurance is either required or available to cover the vehicle while it is parked.

As with other automobile insurance, motorhome insurance is comprised of many parts. Collision insurance is the portion of the insurance policy that pays for damages in the event of an at-fault collision. This includes payment for property damages for both the insured's motorhome and the other party's car, truck, home, or other property. It also covers payments made for injuries to any involved party.

Comprehensive insurance refers to coverage that applies when something other than a collision occurs and is not the insured's fault. For example, a motorhome could sustain damage due to theft; vandalism; or a road hazard, such as falling branches during a storm. In this case, the driver would collect payment for those damages under his comprehensive coverage.

Another portion of motorhome insurance is uninsured motorist insurance. This type of policy pays if a motorhome is in an accident with a driver who does not have insurance. In some areas, this type of policy is called uninsured and underinsured motorist insurance. This means that if the at-fault driver has insurance, but the policy is inadequate to cover the damages, the motorhome owner can collect the residual damages from his own policy. This type of policy is required in some localities and elective in others.

When a recreational vehicle is parked at the owner's home, it is usually covered by the standard auto policy. Due to the amount of space a motorhome takes up, however, these vehicles are often parked at storage facilities. In this case, special motorhome insurance might be required, though some policies cover vehicles parked on a spot rented by the owner, even if it is not at the owner's home.

All types of motorhome insurance require the owner to select between several options. These options include liability limits, which put a cap on the total a policy will pay, and deductible amounts, which determine how much the owner must pay before the policy kicks in. These options are key in determining the amount of the policy premiums.

Share
WiseGeek is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.

Editors' Picks

Discussion Comments
Share
https://www.wisegeek.net/what-are-the-different-types-of-motorhome-insurance.htm
Copy this link
WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.

WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.