Questions to Ask Before Purchasing RV and Motorhome Insurance

• What does the RV insurance cover?
• Should add-ons be purchased?
• What discounts are offered?
• How many days per year are allowed?
• Is it covered when away from home?

Purchasing RV and motorhome insurance should involve more than just finding the cheapest insurance company and purchasing the cheapest coverage. Although RVs and motorhomes are typically used for vacations and fun weekend getaways, they’re also used as a home away from home so you’re going to want them protected with good insurance. The best way to know you’re making a wise decision is to ask important questions and make sure you get the answers you need. Here are 5 questions to ask before purchasing RV and motorhome insurance.

What does the RV insurance cover?

Although most RV and motorhome insurance policies offer the same basic coverage, it’s important to know what each policy actually offers in terms of coverage and amounts. Here are the most common types of coverages purchased by most RV and motorhome owners.

• Collision coverage
• Comprehensive coverage
• Liability insurance
• Medical payments
• Contents coverage

It’s important to know what types of coverage you’re getting, but it’s also important to know if there are limitations to what the insurance company will pay and if there are deductibles.

Should add-ons be purchased?

In addition to the basic coverage, many RV and motorhome policies offer add-ons that can be purchased for additional coverage. One of the most popular add-ons is roadside assistance coverage, which covers you if you have a breakdown on the road, run out of gas or have a flat tire, etc. If you’re leasing the RV or have a loan, you may want to purchase loan/lease coverage, which will pay the difference between what the RV is worth and what is still owed on it in case of a loss.

What discounts are offered?

We all hate paying insurance, but it’s usually necessary and a good investment. As a purchaser, you’ll want to save money any way you can. Most insurance companies offer discounts. Ask what type of discounts they offer. For instance, they may offer a discount if they cover both your RV and your home and even your car. Installing certain safety devices like anti-theft devices will usually warrant a discount as well. Be sure to ask about any discounts they have. A discount like 5 or 10 percent may not seem like much but it can add up over the course of a year. AARP indicates that most insurance companies will offer discounts if you take defensive driving courses.

How many days per year are allowed?

Because RVs and motorhomes are considered seasonal vehicles, they’re usually only covered for part of the year. The number of days you’ll actually have your RV out on the road will vary depending on what state you live. You may be covered for 150 days or for only 120 days. It could be catastrophic to be in an accident only to find out the insurance expired the previous week. Ask how many days the RV or motorhome is covered with full coverage. If it’s not on the road, you may be able to drop all insurance other than comprehensive.

Is it covered when away from home?

Although roadside assistance typically offers coverage against certain types of repairs or breakdowns while you’re away from home, some things are not covered through roadside assistance. For instance, if the RV breaks down out of town and can’t be repaired for a day or two, you may have to pay for lodging and food while you wait for it to be repaired. The insurance company may allow you to upgrade your roadside assistance or may offer you another add-on that covers additional expenses when you’re away from home.

Related Resource: 10 Best Cheap RV Insurance Companies

The purpose of having RV and motorhome insurance is so your prized possession is adequately covered in the case of damage or a loss. Being aware of what you need as well as what’s available can help you make a wise investment when purchasing insurance. After all, what good is RV and motorhome insurance if it doesn’t ensure they’ll always be protected for you? Asking the right question can make all the difference!