Motorhomes are like driveable apartments that need specialized coverage. Some states mandate that you have coverage for your fifth-wheel, motorhome, or RV. Motorhomes often have additional attachments like awnings, satellites, and antennas, which will need to be covered with a specific policy inside your motorhome insurance. Whether you are looking to downsize, save money on the cost of living, or travel the world, motorhome insurance can provide you with peace. 

Class B Motorhomes

Class B motorhomes can often be called camper vans because they can be used as a traditional vans or converted to lodging on wheels. Although much smaller, these motorhomes can have appliances, beds, baths, and other personal items that could be expensive to replace. Most class B motorhome owners park their motorhomes in campsites, which can put them at higher risk of theft, damage, vandalism, and normal wear. Protecting your motorhome with insurance, just in case, will be worthwhile in the end.

Class C Motorhomes

Medium-sized motorhomes fall into the class C category. They are smaller than class A, are typically cheaper, but still provide travelers with luxury. Typically, class C options are less expensive to purchase, so they will need a lower-cost insurance plan as well. Motorhomes with all the amenities will benefit from collision and liability insurance to help cover the monetary costs of replacement and repairs on your vehicle and others involved. 

What Insurance Is Optional For My Motorhome?

Most states require motorhome insurance in order to protect all motorists. There are some options that could be optional coverage for your travel vehicle though, which could save you a few hundred dollars a month. If you have a towable class C motorhome, you may not need insurance to cover it. For those who are not financing their RV and the state law doesn’t require RV insurance, you could forego monthly premium payments. 

Although you may not be penalized for foregoing insurance, you could live to regret it down the road. Motorhome owners who get into an accident, are robbed, or have damage to their vehicle while traveling will need to pay for all of that out of their pocket. Depending on the type of motorhome you have, you could be paying for an entirely new vehicle, if the damage is bad enough. 

Add Ons For Motorhomes

Liability and collision coverage are often not enough to give motorhome owners peace of mind. If you want more customized coverage, here are some add-ons that you can ask your insurance provider about. 

• Rental reimbursement: covers the cost of a rental car and sometimes a rental RV if yours breaks down.
• Full-timer liability: similar to a homeowners insurance policy, it will cover the cost of all damages and injuries caused with or around your RV
• Towing and labor: will cover the cost of towing and repairs when your RV breaks down
• Emergency expenses: for avid travelers, this emergency coverage will pay for hotel costs, repairs, towing, or food if you are unable to drive for an extended period of time. 
• Storage price freeze: if your RV is parked and in storage during the winter, your policy payment will remain at the lower price if inflation or other cost of living expenses increase. 
• Diminishing deductible: your deductible will decrease over time and vanish completely if you remain a safe driver. 

Help From Tower Insurance Brokers

Our brokers can help you find the most comprehensive yet affordable motorhome insurance policy in Idaho. We don’t serve one specific company or offer our own insurance policies, but instead do the quote shopping for you to save you time and money. Finding the best deal for your motorhome will allow you the freedom to travel without stress and protect you in all states across the U.S. Tower Insurance Brokers can help you find many policies that can all be combined together. Save time, and money, and limit stress by working with an expert broker.