Motorhome insurance is an investment when it comes to protecting one of your valuable assets. A motorhome straddles the fence between being a vehicle and being a home for insurance purposes, so it makes sense that you may have some questions. Vance Insurance Group LLC serving Oklahoma City, OK is here to answer any queries you might have.
Is Auto Insurance Enough?
The most straightforward answer is no, it is not. While a motorhome is a vehicle in that it transports you from place to place, it is also a home. Therefore, it requires additional insurance that isn’t covered by a standard auto policy. Liability is one such insurance. Contents and property insurance is another.
What About RV Insurance?
RV or recreational vehicle insurance is an option when it comes to getting motorhome insurance. A motorhome is considered a type of recreational vehicle. It is an excellent possibility if you travel a lot in your motorhome, and even if you don’t, it may be more suitable than standard auto insurance.
What About Liability Insurance?
Liability insurance is a crucial aspect of any insurance policy. Make sure that you have enough liability coverage for vehicular accidents and incidents, and liability insurance that is more suitable for a home. Guests who visit you in your motorhome are not passengers, making additional liability insurance necessary to provide financial protection if something goes wrong.
When your vehicle and your home are the same, it is vital to ensure that you are adequately covered from an insurance perspective. Oklahoma City, OK has unpredictable weather, and any severe damage could leave you without transport and a place to live. Speak to the knowledgeable folks at Vance Insurance Group LLC about your options today!