Motorhome Insurance

Insurance for Motorhomes

Having a mobile home gives you the freedom of a vehicle while simultaneously having the comfort of your home. However, motorhomes don’t come cheap, and the dangers of the road can quickly ruin your major investment. Motorhomes require the proper insurance protection, much like any car.

We have options for any mobile home or RV. Click Here to learn what motorhome insurance would cost you today!

Motorhome Insurance Components

Much like other vehicle insurance policies, motorhome insurance is made of many different components. Some components of motorhome insurance can be very similar to auto insurance. Here are some of the main parts of all motorhome insurance policies:

Collision Coverage

This coverage provides protection from damage to your motor home due to a covered accident.

Liability Protection (Bodily Injury / Property Damage)

Liability coverage will protect you if you were found responsible for and accident. These types of accidents can quickly lead to litigation problems if needs aren’t met. In fact, Florida makes up %70 of the United States litigation costs! Having good liability coverage is a must have in Florida!

Liability coverage will also protect you from Property Damage costs as well as medical attention costs inquired by the other party. Below are summaries of Bodily and Property damage.

Personal Injury Protection (PIP)

Personal Injury Protection, otherwise known as PIP or “No-Fault” insurance, is used to protect you and your passengers for necessary medical expenses. PIP will also pay for rehabilitation, funeral expenses, essential services, and work loss caused by covered accidents.

NOTICE: Personal Injury Protection (PIP) is legally required to carry in the state of Florida.

Contents Coverage

This insurance component will reimburse you for loss or damage to covered personal property kept in your motorhome when damaged by fire or lightning.

Comprehensive Coverage

Comprehensive coverage will reimburse you in the event of a non-collision accident. Some examples of comprehensive coverage include: theft, falling objects or fire. Talk to your agent for more coverage examples.

Medical Payments Coverage

Medical Payments coverage will provide coverage for you, your family, and your passengers for necessary medical attention.

Sound System

Sound systems installed on your RV by the manufacturer are protected up to $2,500.

Motorhome Insurance Options

The optional coverage below is available for most RV insurance packages. Are you not sure of the coverages you have? Be sure to ask your 3rd Generation Insurance agent for more information.

Towing and Labor Costs Coverage

Insurance for Towing and Labor costs inquired while on the road.

Uninsured and Under-Insured Motorist Coverage

In the scenario where the other party in a accident does not carry enough insurance to cover your loss, Uninsured and Under-Insured Motorist coverage will provide protection for you, a family member, or passenger if they are injured or killed in a covered accident.

Rental Reimbursement Coverage

Rental Reimbursement Coverage will pay for the cost of renting a motorhome or automobile if your current motorhome was involved in a accident. Depending if whether or not you choose comprehensive and/or collision coverage, will depend on is you will qualify for rental reimbursement.

Talk to your agent to learn what your rental reimbursement limits are.

Frequently Asked Motorhome Insurance Questions

Related Motorhome Insurance Terms