There is nothing more thrilling than owning a motorhome with the excitement of the open road in front of you and a good night's rest behind the wheels! However, keep in mind that it is a huge financial commitment to protect your motorhome with proper insurance.
There are several things to keep in mind when you set out to choose the right kind of motorhome insurance.
Since everybody has different needs, you do not have to necessarily choose the cheapest motorhome insurance.
Your dealer will surely help you with all the available insurance but here are a few pointers for you to keep in mind.
The first thing to consider is where you will be using your motorhome.
Will you be using it within your state, country or will you be traveling overseas with it? There are various levels of insurance cover for overseas travel.
Make sure that your motorhome insurance covers all the places you intend to visit.
Secondly, you need to determine who all will be driving the motorhome.
If you will be the sole person driving it, the insurance will be much cheaper than if you had a number of family members listed as the drivers.
Additionally, if you plan to rent out or lend your motorhome to anybody including family, friends or even strangers, then the policy terms need to cover all of this.
Check with your insurer if you can add drivers based on mileage or for short periods of time.
It is best to get personal recommendations when looking for motorhome insurance.
If you are part of a motorhome club, you can ask around for experience with various insurers and recommendations too.
There is no better judgment of the insurer than a family member or fellow motorhoming friend who has used an insurer for some time and can share his experiences with you.
Before you sign on the dotted line, see if the coverage will also include your personal belongings.
Some insurance will cover other belongings like camping equipment, luggage and awning.
There are motorhome insurance that will also cover valuables you carry with the motorhome like your TV set, stereo or DVD player.
Though all of us like to believe we are the best of drivers, do check for accident insurance.
Also check for alternatives in case your motorhome is rendered out of order.
Some insurers provide a temporary vehicle while you get your motorhome repaired or pay for any hotel expenses.
It is important to check and compare such insurance levels since they can all be differently priced.
Always keep in mind emergencies like a breakdown in the middle of nowhere or in the dead of the night.
Do check up on motorhome insurance that offers roadside assistance for peace of mind.