Motorhome Insurance in Knoxville and Clinton, TN and surrounding area

It is More Than a Vehicle. It is a Lifestyle

 

If you're a motorhome owner, you know how much fun it can be to hit the open road and explore new places. But with that freedom comes a responsibility to protect yourself, your passengers, and your vehicle. That's where motorhome insurance comes in. In this article, we'll take a closer look at what motorhome insurance covers, what the requirements are, and what factors impact your premiums. 

What Does Motorhome Insurance Cover? 

 

An adequate motorhome insurance policy can provide critical financial assistance in response to accidents on the road or other incidents involving your recreational vehicle. Although the details of policies may vary, you should consider including the following coverages: 

• Liability—If you are responsible for an incident that affects a third party, this coverage can help pay for their losses, such as those arising from bodily injury or property damage.
• MedPay—This coverage can help pay for medical expenses if you or your passengers are injured in an accident, regardless of who was at fault.
• Collision—If your motorhome is damaged in a collision with another vehicle or stationary object (e.g., buildings, fences, signposts), this coverage can help pay for your losses.
• Comprehensive—This coverage can provide financial assistance for damage to your motorhome caused by something other than a collision, such as fires, crime and severe weather.
• Uninsured/underinsured motorist—If another party is at fault for an accident but lacks sufficient coverage to pay for your losses, this coverage can make up for the difference.
• Personal property—This coverage can financially protect belongings being stored or transported in a motorhome. 

What Are Motorhome Insurance Requirements? 

 

The requirements for motorhome insurance vary depending on where you live and how you use your vehicle. In most states, liability insurance is mandatory. Some states may also have additional requirements, such as for uninsured/underinsured motorist coverage. If you have a loan on your motorhome, your lender may also have coverage requirements. 

What Factors Impact Motorhome Insurance Premiums? 

 

Several factors can impact your motorhome insurance premiums, including: 

• Age of insured
• Driving records
• Vehicle details (e.g., age and model)
• Usage
• Location
• Claims history
• Policy details (e.g., coverage limits and deductibles) 

Get the Right Coverage 

 

At ISG Auto Insurance, our agents have the knowledge and experience to help you assess and address your motorhome coverage needs. We will work with you to explore your options and assemble an optimal policy. Contact us today to get started.