How to properly insure a motor home

Congratulations on buying a classic motorhome. It is now time to tour the world and visit family & friends. However, Naples, FL roads can quickly become dangerous if you do not have insurance. At Pro America Insurance, we recommend buying a type of coverage known as Recreational Vehicle insurance coverage or RV insurance. So, how much insurance do you need to insure your motorhome adequately? Read on to find out.

How to insure your motorhome.

Keep in mind that your motorhome is your home away from home. That means that in case of an accident, loss, injury, or theft, you will want to make sure that you have enough coverage to restore your motorhome back on the road. As a first time RV owner, you need to know some of the most common RV accidents to help guide your coverage purchase. The following are some of the most common accidents in Naples, FL.

  • Poorly calculated turns

  • blind spots 

  • rollovers

  • overloading or poorly balanced loads

  • Runaway trailers 

  • poor estimations from inexperienced drivers

How much is the real cost?

A class A motorhome is the largest RV we have on the roads. That also makes them some of the most expensive vehicles to insure. However, there are a few factors that your insurance company will consider when calculating your premiums. Such factors include:

  • Your age and driving record

  • The value of your Rv

  • Whether you use your RV as a place of residence or for occasional vacationing

  • Where you live and the security level there

  • How much coverage you need for personal possessions

When comparing quotes, always make sure that you fully understand your policy. Don’t sign the policy if you are not sure about certain coverages. If you have never driven a motorhome before, it is also prudent that you consider more liability.

Let Pro America Insurance help you get the best out of your RV insurance. Contact us for more information, quotes, or questions.