Motor homes are your home away from home, so it’s important to make sure you have the right coverage before you hit the road with the family. There are a few things you need to know about motor home insurance in Detroit, MI. 

Levels of Coverage

Motorhome insurance policies offer different levels of coverage similar to auto policies. You can get liability coverage that only covers another person’s vehicle and bodily injury. Upgraded levels of coverage, like full coverage, are more likely to offer limited coverage for personal belongings. Ask an agent at Premier Insurance Agency if this is automatically included in your coverage. 

Personal Belongings Coverage

It’s important to make sure you have enough motor home coverage. Sometimes, the personal belongings coverage that’s automatically included with full coverage has really low limits. This may not cover everything you own, so it’s important to discuss coverage add-ons with your policy provider. 

Certain Exclusions

Many policies exclude high-ticket items, like jewelry or electronics. Some families choose to leave these items at home to avoid higher coverage costs. You can also speak with a representative about add-on coverage for these items so you can truly enjoy living on the road, complete with your personal belongings. 

Replacement

How replacing the items works usually varies per company. Some companies will consider the actual cash value of items, which is how much they are worth, including depreciation. Others will consider the replacement cost, which is how much it will cost to purchase a new one. Companies may require you to purchase the replacement and then reimburse you or write you a check. 

Speak with an agent here at Premier Insurance Agency to learn how your policy works or make sure you have adequate coverage. Our representatives are waiting for your call. Contact us today. We’re currently serving the Detroit, MI area.