Owning a motor home provides so much comfort and flexibility. You can go where you want when you want. A motor home has tons of great features, combining everything you get in both a vehicle, as well as a single-family home. Since you have a vehicle and house in one, you need to be sure insurance is adequate. The Premier Insurance Agency serving Detroit, MI helps to provide insight into common and important motor home insurance coverages.
Bodily Injury Liability
The bodily injury liability insurance protects you in the event of a covered accident. The protection is for you, as well as other insured drivers if someone is injured or killed in an accident you are found to be legally liable within.
Personal Injury Protection Coverage (PIP)
The personal injury protection coverage is important when you or your family members and passengers is in a covered accident and need medical care, rehab, and/or funeral expenses. The insurance coverage will kick in no matter who is at fault in the accident. Another name for this insurance is “no-fault” coverage.
Comprehensive and Collision
Comprehensive and collision coverage involves a motor home that gets in a covered accident. The coverages will kick in when the accident occurs from the motor home colliding with another vehicle or receiving an image from a falling object, fire, theft, flood, or some other type of covered loss.
You live in your motor home so contents are valuable. The contents coverage will cover property in your motor home when it is damaged or destroyed due to an act such as a fire or lightning.
The Premier Insurance Agency serving Detroit, MI can help shed light on motor home insurance coverage needs. When shopping for motor home insurance coverage, be sure you are comfortable with your level of protection.