A motorhome is a type of recreational vehicle that has its own engine, so it isn’t pulled by a separate auto. If you’ve decided to buy a motorhome and already have car insurance, you might wonder if it will cover your RV. While auto insurance may provide limited coverage of certain recreational vehicles, it’s generally best to sign up for a separate motorhome policy.
Auto Coverage for Motorhomes
Many car insurance companies include liability coverage for travel trailers, but not RVs with their own engines. If you rent a motorhome with no more than four wheels, car insurance may protect it. It’s important to make sure your policy provides this coverage. Usually, auto insurance won’t provide any protection for a self-propelled motorhome that you own.
Motorhome Insurance
To ensure that your recreational vehicle is covered, purchase a motorhome or RV policy. You can obtain liability, collision, and/or comprehensive coverage. Motorhome collision insurance primarily covers traffic accidents. A comprehensive policy insures your RV against other harmful events, such as theft, fires, and severe weather. Combine all three options for the most thorough protection.
What’s Required?
Regardless of whether you have car insurance, as a motorhome owner in Fontana, CA, you are required to carry separate motorhome liability coverage at a minimum. Know that different rules apply to self-propelled RVs in comparison to travel trailers. You may also need to have collision and/or comprehensive policies if you used a loan to purchase your RV.
Rock Hard Insurance Agency can help you find the right insurance for your motorhome. Our knowledgeable independent agents know how to quickly compare the options offered by multiple reputable insurers, making it possible to shop for a policy in one convenient place. To reach Rock Hard Insurance Agency, call 909-641-5067 today. You can also obtain quotes on our website. We’re currently serving Fontana, CA.
