When it comes to insuring your motor home, Auto insurance is not enough. You need motor home insurance. Many car insurance companies offer motor home coverage, but that coverage is incomplete. They will cover liability and damage in vehicular accidents, but they don't have the provisions you need to best insure your motor home.
Instead, you need special insurance for motor homes. Here are just a few of the standard types of coverage offered by insurance policies that specialize in motor homes and may not be included in your automobile insurance policy:
- Accessory coverage: covers devices you attach to your motor home.
- Emergency Expense coverage: reimburses you for lodging/travel if your motor home is damaged while traveling.
- Campsite Liability coverage: protects you from liabilities caused while staying in your motor home.
In addition, there are many optional types of coverage you may choose from including coverage for total loss replacement (which will also cover depreciation), damaged or stolen personal belongings, motor home specific towing and roadside assistance, special insurance options for your variety of motor home, and many others. For more information on the different types of coverage for motor homes see Foremost or AMIG, two of the top providers in insurance for motor homes.
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