You are excited to be a new owner of a motor home and cannot wait to hit the highway but before you do, you will want to have peace of mind in knowing your investment is protected. The best way to achieve this is to obtain motor home insurance.
Most states, you are required by law to obtain at least liability insurance which is the same law that applies to all types of vehicles. This coverage will pay for injuries to others or their property if you are determined to be at fault in an accident.
In addition to liability insurance, you will want to purchase underinsured and uninsured coverage to protect your motor home in case you are involved in an accident that is caused by someone who does not have any insurance or does not have enough insurance to pay your medical bills and property damage.
If your motor home is damaged or destroyed by vandalism, fire, or a natural disaster, such as a tornado or ice storm, comprehensive coverage will cover the damages. It will also cover the replacement of your motor home if it is stolen. If you still owe for a loan that you used to purchase your motor home, this part of your policy will more than likely be required.
Collision insurance will cover the repairs to your motor home if it is damaged in an accident with another motorist or an object. For example, if you back into a utility pole, it will pay for damages to your motor home and the utility pole.
To create the best policy for you and your situation, you will need to contact an insurance agent experienced in motor home insurance. The motor home insurance agents at VIP Insured look forward to assisting you. Call for a quote today!
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