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What Does Motorhome Insurance Typically Cover?

Do you own a motorhome or another recreational vehicle? If so, you need RV insurance. Often, such insurance is required by law. Further, insurance will protect you, your family, and your property in case of an accident or another event.

Motorhome insurance covers a lot of things. We’ll take a look at some of the things commonly covered by RV insurance. However, it’s smart to read each individual plan so you know exactly what is and is not covered.

If you have questions, contact Hausmann Insurance & Financial Services which serves Charlotte and Waxhaw, NC and other areas nearby.

Here’s What Motorhome Insurance May Cover

Most states require that vehicles be covered by liability insurance. This insurance will cover damages to other parties. If a motorhome driver rear-ends someone, for example, liability insurance may pay for damages to their vehicle and may also cover medical bills.

Liability insurance is vital for protecting other parties. You may also opt for collision coverage for your own property and to cover your medical bills. If someone sideswipes you and your motorhome topples over, your insurance may pay for the repairs or help you buy a new motorhome. You insurance may cover medical bills resulting from the accident as well.

You can also get comprehensive insurance plans that will cover other events, such as weather damage, vandalism, and theft. Collision and liability insurance typically don’t cover these events. Comprehensive insurance may not cover certain things, such as the theft of personal property inside of your vehicle, so make sure you read the fine print.

If you own a motorhome, you should have the appropriate motorhome insurance plan. Do you need just liability insurance or should you also get comprehensive insurance? It’s wise to speak with an insurance agent.

Reach out to Hausmann Insurance & Financial Services, serving Charlotte and Waxhaw, NC and other local communities, to learn more!