Mountain View Insurance – Motor Home and RV Insurance
Motor Homes and RVs have similar foundation coverage’s as most vehicles but the inherit differences in size, frequency of use, and value create a requirement for a unique insurance policy.
The foundation coverage’s are bodily injury, property damage coverage, personal injury protection, medical payments, and a few more. Follow this link to learn more about these coverage options.
Foremost, who we often use to insure RVs and Motor Homes, states on their website
Do you drive your motor home down to the local coffee shop and back? Probably not. Then why would you insure your rig with a policy meant for an everyday automobile?
https://www.foremost.com/products/motor-home/
This is exactly right. So lets dive into the features of the RV and Motor Home policy to consider.
Total Loss Replacement Coverage
Some insurance carriers offer this coverage for their RV and Motor Home clients. The majority of auto insurance policies are written as “actual cash value” policies which is also referred to as ACV or depreciated cost. This is unfavorable for a high dollar assets like an RV.
Total Loss Replacement Coverage replaces your RV or Motor Home with a new one of similar quality/brand so long as it was totaled within 5 years of original purchase. This is very similar to an “agreed value” policy which is often used for classic cars.
Emergency Expenses Coverage
This coverage is great to have when your out on an adventure with the family. If the RV breaks down the Emergency Expenses Coverage would help towards lodging nearby.
Vacation Liability Coverage
Vacation Liability coverage extends liability coverage to you and your family while your parked at a campsite or vacation site. This coverage is for those who use their RV or Motor Home for weeks at a time and it becomes their “second home” for those weeks.