What Are The Different Types of Motorhome Insurance?

Motorhome insurance is a specialized type designed to protect your motorhome in the event of an accident or other incident. There are many types of motorhome insurance, and it can be challenging to know which one is right for you. This article will discuss the different types of motorhome insurance available and help you decide which one is right for you.

1. Liability Insurance

Liability insurance is the most basic type of motorhome insurance. It covers your motorhome if you’re at fault for an accident. This type of insurance is typically required by law in most states.

Liability insurance from Wichalonis Insurance Agency in Cumming, GA will pay for the damage you cause to another person’s property in an accident. It will also pay for the other person’s medical expenses if they are injured in the accident.

2. Collision Insurance

Collision insurance is a type of insurance that covers your motorhome if it is damaged in an accident. This type of insurance will pay for the repairs to your motorhome, regardless of who is at fault for the accident. Collision insurance is not required by law, but it is often required by lenders if you have a loan on your motorhome. Collision insurance will pay for the repairs to your motorhome if it is damaged in an accident.

3. Comprehensive Insurance

Comprehensive insurance is a type of insurance that covers your motorhome if it is damaged by something other than an accident. This could include damage from a fire, theft, or vandalism. Comprehensive insurance is not required by law, but it is often required by lenders if you have a loan on your motorhome. Comprehensive insurance will pay for the repairs to your motorhome if it is damaged by something other than an accident.

Conclusion

There are many different types of motorhome insurance available. Liability insurance is the most basic type of insurance and is typically required by law. Collision and comprehensive insurance are not required by law, but your lender may require them if you have a loan on your motorhome.

Shop around and compare rates before you purchase motorhome insurance. Wichalonis Insurance Agency in Cumming, GA can help you find the right policy for your needs. Give us a call today.

Tips for Getting Motorhome Insurance

It can be overwhelming buying motorhome insurance with so many policies on the market. You want to make sure you choose something right for you, giving you value for your money. A motorhome is a significant purchase, and you need to ensure you have covered it sufficiently. That is why experts at Wichalonis Insurance Agency take the residents of Cumming, GA, through some tips they should know when buying motorhome insurance.

Research

The internet is an excellent resource to compare different prices and see which motorhome insurance is affordable. After you have narrowed down the list to a few, give them a call and express your needs. Ask questions like their level of cover and what is included in a policy plus the price.

Consider the Extras

You can consider adding extra coverage to your motorhome insurance policy, such as breakdown cover. Your motorhome may break down on the road and has to be taken to the repair shop to be fixed. The breakdown cover takes care of costs like transport to the repair shop, repairs, and temporary accommodation while the motorhome is being fixed.

Protect the Contents

If the contents inside your motorhome are stolen, the insurance company can help pay to replace them. However, you can also get into an accident that damages the contents inside, requiring them to be replaced or repaired. Therefore, check your policy when it comes to the maximum value of the items. Your home’s content insurance may cover the items, but to be safe, check the amount of coverage you have.

When getting motorhome insurance, do not assume anything. Instead, ask questions where you need clarification to avoid any frustrations later on. Residents of Cumming, GA, looking to protect their motorhomes can contact Wichalonis Insurance Agency for inquiries. Our agents are ready to answer your questions and assist you.

Adding a Driver to Your Motor Home Policy

Whether the holidays bring travel, spring break or summer vacation, Wichalonis Insurance Agency knows it can make it easier to travel from Cumming, GA on a road trip if you get to share the driving with someone else.

  • You may love driving your motor home, but you will remain safer on the road if you share driving duties. To do that, you need to add all potential drivers to your insurance policy before you leave.
  • You can typically add drivers by completing an online form or phoning your insurance agent.
  • You need very basic information including their full name, address, phone number, email address, gender, marital status, and your policy number. You also need to choose an effective date. 
  • You can add a spouse, a child who has attained a driver’s license, a relative or a non-relative. You must include their relationship to you. Provide the license state and number as well as their date of birth.

Who Makes a Good Choice?

You should only add drivers with good driving records to keep your insurance costs low. You should choose drivers who have not had any major violations for five years, accidents or minor violations for three years and no comprehensive or collision claims for three years.

Adding drivers to your motor home insurance does not have to adversely impact its cost.

Wichalonis Insurance Agency of Cumming, GA wants you to enjoy the road in your motor home safely. Enjoy your travels more by splitting the driving. Come by today to talk to us about adding a driver to your insurance policy. We can help you determine which drivers would make the best choice to add.