The Facts About Motor Home Insurance

A motorhome is a perfect way of exploring the world as you enjoy the comfort of a home. Unfortunately, accidents can happen at any time. But worry not, motorhome insurance exists to protect you and your RV wherever the fun takes you. Need to learn more about motorhome insurance? Keep reading because Goshen Group Inc. is shedding more light on this coverage.

Is motorhome insurance mandatory?

Unless your motorhome is towed or non-motorized, you must buy motorhome insurance as long as you park or drive in public spaces. While your motorhome is a home, it also acts as a vehicle, and that's why you need insurance just like a car.

Motorhome insurance coverage options

Motorhome insurance isn't one-size-fits-all coverage. It's offered with different coverages to enable you to choose those suitable options for you. Here are the typical motorhome insurance options in Illinois.

• Collision coverage: It covers physical damage for your motorhome following an accident with another vehicle or stationary object
• Comprehensive coverage: Protects your motorhome against non-collision perils like theft, fire, vandalism, and natural disasters.
• Liability coverage: This insurance plan protects you when you are accused of causing third parties property damage and bodily injury. It also covers legal costs when you are sued.
• Personal Injury Protection (PIP): You and your passengers can suffer injuries following an accident. Luckily, PIP covers medical costs for you and your passengers. It also covers partial loss of wages.
• Uninsured/underinsured motorist coverage: While auto insurance is mandatory in Illinois, some drivers still drive without car insurance. For this reason, you need underinsured or uninsured motorist coverage to cover bodily injury or property damage you sustain when you collide with a driver with no or insufficient coverage.
• Roadside assistance: This coverage comes to your rescue when your motorhome stalls away from home. The policy provides towing, gas delivery, puncture repair, and other services to get you to safety.

Buy motorhome insurance

Need to protect yourself and your motorhome with affordable insurance? Don't hesitate to get in touch with Goshen Group Inc. for comprehensive motorhome insurance.