Did you know that 78.8 million Americans live in camper households? Living in a campervan requires a lot of knowledge of road laws like parking permits, tag registration, and, yes, you guessed it, motorhome insurance. However, how do you find an insurance plan that works for your whole family?
Well, with this guide, you can find out! From the basics to finding the best plan, you can learn what type of motorhome insurance is right for you.
Now, are you ready to get started? Here’s a quick look at campervan insurance:
What Is Motorhome Insurance?
With motorhome insurance, your vehicle is covered whether it’s parked or on the highway. It’s legally required to have some sort of policy covering your motorhome or campervan. Just like car insurance, a basic plan covers:
- Fire damage
- Traffic incidents
- Damage caused by break-ins
How to Find the Best Motorhome Insurance
Finding the best insurance coverage can be tricky. However, if you follow this guide, you’ll find a plan that works for you in no time.
Here are a few perks all good insurance plans have:
This coverage benefit allows you to travel in your campervan out of the United States for a set number of days per year. For instance, you might receive 90 days each year of foreign coverage.
That way, if anything were to happen while you were abroad, your campervan would be covered under your policy. It’s a great way to stay safe and protects you from paying out-of-pocket fees.
This policy benefit covers your personal belongings that you keep in your campervan up to a set amount. For instance, a plan might give you up to $6,000 of cover. In doing so, you can report any damages or theft of your belongings to that specific amount.
If you go over the proposed amount, the insurance provider will not cover it. If you would like them to, you’ll most likely need to upgrade your plan.
Extra Coverage Options
A good insurance plan always has extra coverage options. However, some insurance providers make you add them to your plan, where others come simply as benefits. For example, some extra options are breakdown coverage, travel coverage, or even excess protection. These extra options ensure that your family is safe and protected from any situation on the road.
Purchase Campervan Insurance Today
Motorhome insurance is legally required if you own a campervan. However, the insurance policy you purchase is up to you. You can choose a basic policy that covers the same material as car insurance.
Although the best policies tend to have coverage on foreign travel, personal belongings, and additional benefits you can add. These policies are known to be the best because they protect more of your assets and cover a wide variety of situations.
For more information about campervan insurance, visit our website today. We look forward to helping you!