Does my motorhome need car insurance?

Yes, your motorhome typically requires insurance coverage. Motorhome insurance is similar to car insurance but is designed to cover the specific needs and risks associated with recreational vehicles.

In this article, we will breakdown what’s included with motorhome insurance just so you know what to look for when you’re searching for a new policy.

What Should Your Motorhome Insurance Include?

1. Liability Coverage: This coverage helps pay for bodily injury and property damage expenses if you are at fault in an accident while driving your motorhome.
2. Collision Coverage: This covers the cost of repairs to your motorhome in the event of a collision with another vehicle or object.
3. Comprehensive Coverage: Comprehensive coverage protects against non-collision events, such as theft, vandalism, fire, or natural disasters.
4. Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you are involved in an accident with a driver who has little or no insurance.
5. Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.
6. Personal Injury Protection (PIP): PIP coverage provides broader protection for medical expenses, lost wages, and other costs related to injuries sustained in an Oregon accident.

The specific requirements for motorhome insurance can vary by state, so it’s important to check the regulations in the state where you register and use your motorhome.

If you own a motorhome, it’s recommended to contact insurance providers to discuss your specific needs and find a policy that adequately protects you and your vehicle. Keep in mind that the coverage you choose may depend on factors such as the type and value of your motorhome, how frequently you use it, and where it’s stored when not in use.

Contact Us

For an affordable motorhome insurance quote, or to learn more about the other insurance services that we can offer you, contact us today by calling (541) 318-8835 or click here to connect with us online.