When you buy a RV you are making a large investment so why not protect it by purchasing Motorhome Insurance. Not only is this a large investment, but it is also a large vehicle that could cause severe damage and injury. At Farmers Insurance – Jenna Isch it is our goal to keep you covered. These are some of the other reasons you should purchase motorhome insurance.
1. Roadside assistance
When it comes to RV insurance, roadside assistance isn’t always included in the coverage package. If for any reason your motorhome were to breakdown on the side of the road, you need to ensure you are covered.
2. Involved in an accident
RV insurance is different than auto insurance. It is important that you get the correct kind otherwise you might not be covered the way you want to be. If you don’t have the correct kind of insurance for your RV but get into an accident you could be liable for all sorts of damages. This could mean a lot of money out of your own pocket.
3. Stolen or totaled
For most insurance companies, when something is stolen they will give you a certain amount of money to replace that item based on what third party sources say its worth. Usually that means a lot less then what you would need to actually replace it. With RV insurance there is a way to set a predetermined amount of money for the RV if it were to be stolen or totaled. Without the correctinsurancecoverage, you could be up a creek without a paddle.
4. Personal property stolen
Again auto insurance won’t cover your RV in the way it needs it to be. When it comes to your personal items, an auto policy won’t give you money to replace stolen items. However with motorhome insurance there is the “personal effects coverage”. This protects all of your personal items that are associated with the motorhome.
5. Personal liability while on the road
Motorhomes are considered a residence when it is parked at a campsite. What that means is if someone were to hurt on that “property” you can be liable for their injuries. In order to protect yourself you need the correct kind of insurance.
So before you hit the road for your next family road trip, give us a call at (765) 838-2781. We at Farmers Insurance – Jenna Isch want to make sure you are covered so your only worry is what adventure to have next.