Motorhome policies are best insured on a separate policy as they tend to be higher in value, and need specialized coverage. Many have been customized and may stay in one location for an extended period of time.
Bodily Injury Liability: Covers injury you may cause others including coverage for medical expenses, lost wages, pain, and suffering, etc.
Property Damage Liability: This pays for damage you cause to the property of others such as a crushed fender, broken glass, or a damaged wall or fence.
Medical Payments Liability: Coverage pays for medical or funeral expenses for you or others injured or killed in an accident while riding or driving your vehicle up to the limits chosen. Typically, medical payments usually cover expenses not covered by health insurance, such as co-pays or deductibles. It also provides coverage to you or your family if you are struck by another vehicle while walking.
Uninsured Motorist Coverage: This coverage applies to bodily injury you, your family, or other occupants of your vehicle that are incurred when hit by an uninsured motorist or a hit-and-run driver.
Underinsured Motorist Coverage: This increases the bodily injury protection to you and the people in your car up to the amount of coverage you purchase if the at-fault party’s bodily injury insurance limits are lower than your Underinsured Motorist Coverage limits.
Comprehensive coverage: Pays for damage to your auto for fire, vandalism, water, hail, glass breakage, wind, falling objects, civil commotion, or hitting an animal. A deductible typically applies.
Collision Coverage: Pays for damage to your car if you collide into an object, including another car, a hit-and-run driver, or if it overturns. A deductible typically applies.
Optional Coverages Available:
- Emergency Expense
- Fire Department Service Charge Coverage
- Personal Liability/Vacation Liability Coverage
- Mexico Physical Damage Coverage
- Pet Injury Coverage
- Personal Effects Coverage
- Roadside Assistance
- Trailer Coverage