Many vacationers throughout the country purchase motorhomes. The convenience of having your sleeping quarters, kitchen, and freedom to travel at your own pace is too attractive for some to ignore. You are able to go anywhere, any time. You can stop whenever you choose and stay in each place as long as you like.
However, you don’t want to let your second home go unprotected. The professionals at Ransom & Associates Insurance Agency in Winder, GA can help you protect this investment.
Motorhome Insurance: What You Need To Know
Motorhomes are in the category of Class A recreational vehicles. RV is a term that covers many different types of vehicles, including motorhomes. These vehicles are large and could cause significant injuries and damage to other vehicles, property, and drivers if an accident occurs. That is why insurance protection is so necessary.
Coverage for motorhomes includes property damage, collision, bodily injury liability, comprehensive, and uninsured motorists. This coverage will help pay for repairs to your motorhome and its contents in certain situations.
There are also specialized insurance coverages that are available, such as vacation liability, custom equipment, and total loss replacement. Based on how much your motorhome is used, the annual insurance premium can range anywhere from $200 to $3000.
Because a motorhome is like a small house, you need different coverage than is needed for your car. They are not used in the same fashion as a car; therefore, you must have specialized insurance for your motorhome. For example, vacation liability provides personal liability coverage when the motorhome is parked off public roads and when it is used for recreational purposes only. It does not overlap with any automobile liability coverage.
Get Motorhome Insurance Today
Remember to purchase motorhome insurance to make sure your second home is protected. Contact the professionals at Ransom & Associates Insurance Agency in Winder, GA today for the peace of mind you need.
