What should my motorhome insurance include?

All motorhomes are not created equal.

Serving as both vehicles and homes, motorhomes are unique. To serve multiple purposes, motorhomes come in a variety of sizes, costs, and amenities.

Finding the right coverage requires equal specialization. Luckily, Rock Hard Insurance Agency can help. Serving Fontana, CA, our agents know the importance of crafting an individualized motorhome insurance policy.

We list six items that every motorhome should include:

Collision insurance

Your motorhome will spend a lot of time on the road. For this reason, even policies with minimal coverage will include collision. This applies no matter who is at fault.

Comprehensive coverage

All other damage falls under comprehensive. Most plans will feature a list of inclusions that are protected. Some examples are natural disasters, theft, and vandalism.

Liability

Liability is standard in nearly all insurance plans. It adds an extra layer of protection in the event you or someone else is hurt. If you are found at fault, bodily injury liability kicks in.

Personal property

Personal property protection is a component of liability. Yet, this covers belongings instead of people. There may be some overlap with homeowners policies, but this shields a motorhome if it’s damaged, destroyed, or stolen.

Uninsured motorist

Other drivers may not have sufficient coverage. If you are involved in an accident with someone who has inadequate insurance, this could compensate you for medical expenses, property destruction, and lost wages.

Optional add-ons

This is just the beginning. There are countless options to add to any motorhome insurance policy to make it personalized. This list includes roadside assistance, storage protection, and loss of use expenses.

Call Us Today

Serving Fontana, CA, Rock Hard Insurance Agency can find a motorhome insurance policy that keeps you headed for the open road. Schedule an appointment today.

Motor home Insurance Ins and Outs

Owning a motor home can be an incredible experience, and doing so provides a lot of freedom to go on adventures. However, make sure you get to keep this freedom by ensuring you have the most appropriate insurance coverage for your motor home. Motor home insurance is not automatically included in general auto insurance, and therefore, you should pay attention to what you and your motor home need. 

Rock Hard Insurance Agency in Fontana, CA offers motor home insurance so that you can keep going on your adventures without too much trouble. We offer insurance to people in the states of California, Arizona, and Texas. 

What to insure your motor home for

Your motor home will need to be covered for certain things. What further add-ons you want largely depends on you, but you should definitely consider the following insurance coverage:

  • Liability insurance, a type of insurance that covers visitors to your motor home. If they get hurt inside your motor home, whether that is your fault or not, it is great to be covered in case they encounter medical costs because of this or even if they sue you.
  • Valuable items and theft; whether your laptop in the back of the motor home is stolen or your entire motor home manages to get stolen, coverage against this will help you a lot with the financial burden of this. 

Rock Hard Insurance Agency in Fontana, CA helps to advise on motor home insurance and can get you different quotes to look at. We will walk you through your options so that you will pick the right insurance for you. You can reach our office or you can also easily request a quote on our website.

Who needs a California motorhome insurance plan?

The Fontana, CA area is near many recreational parks and activities that anyone can enjoy. Those in this area of the state may also want to explore the natural beauty that the rest of the state and country offers. If you dream of seeing the country, owning a motorhome is a great way to do it as you will have a safe vehicle and a place to sleep at night. There are plenty of situations when people will need to get motorhome insurance if they invest in one.

Those that Want to Comply with Agreements Need Coverage

A situation when you want to have motorhome insurance is when you want to comply with all of your agreements and obligations. Motorhome owners here will need to have a full motorhome insurance plan if they have taken out a loan to buy the asset. Further, if you want to operate any California vehicle, you need to maintain the state minimum requirement for liability insurance. 

Those that Want Protection

People that are motorhome owners will want to ensure that they and their asset is properly covered. If you get a full motorhome insurance plan, you will have the needed protection to repair or replace your motorhome following certain situations. Further, it will give you liability protection that will be helpful if you are found liable for damages in an accident.

A Fontana, CA area motorhome owner needs to get a motorhome insurance plan. If you are looking for motorhome insurance here, you should call the Rock Hard Insurance Agency. The Rock Hard Insurance Agency team will offer you the guidance needed to choose a plan that works for you.