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America's Choice Insurance Partners

38500 Assembly Park Dr
Wixom, MI 48393

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Motor Home Insurance

Why Do You Need Motorhome Insurance

Having motorhome insurance is necessary to protect not only your motorhome but also the belongings in your motorhome. When you are driving your motorhome around, you need insurance.

What Does Motorhome Insurance Cover?

Even though your motorhome seems more like a home, it is treated as a vehicle. As such, the insurance options available are similar to automobile insurance. Collision coverage will cover your motorhome if it is damaged in the event of an accident. Comprehensive coverage will cover your motorhome if there is damage to it that is not caused by it being in an accident. This can include theft, vandalism, weather, or other natural disasters. Liability coverage will protect you if you cause damage to someone or something while in your motorhome. The No-Fault insurance law makes it mandatory for drivers to pay for injuries to people, or for any property damage that drivers cause. Underinsured and uninsured coverage will insure you if you are involved in an accident with someone who doesn’t have coverage or doesn’t have enough coverage. Personal effect coverage will provide replacement costs for damage or loss of items that are kept in the motorhome. Speak with an agent at America's Choice Insurance Partners to find the right coverage for your situation.

What You Should Know about Motorhome Insurance

There are options for your comprehensive and collision coverage if your motorhome is a total loss. Replacement cost coverage will replace your insured motorhome with a new one that is most like it. Agreed value coverage will give you the insured amount, regardless of the market value of your current motorhome. Stated value is the market value of the motorhome. There may be a policy for vacation liability if you are using your motorhome as a temporary residence. You may also be able to get roadside assistance, just as you would with a car, to cover you in the event of a breakdown.

Contact America's Choice Insurance Partners to get a quote on motorhome insurance.


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