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The Basics on Motor Home Insurance Coverage

Motor Homes and Insurance

Motor homes are designed with cooking and sleeping areas to provide the traveling motorist with a home on wheels.

As for insurance, the related physical damage coverage expands to include fixtures and equipment that has been permanently installed, as well as the personal belongings that are stored within.

A Motor Home Insurance package includes:

  • Bodily damage coverage
  • Property damage liability coverage
  • Medical payments coverage
  • Comprehensive and collision auto coverage
  • Uninsured motorist protection
  • Vacation expense allowance coverage


Motor Home Rental Insurance

Businesses that rent out motor homes for weekends, trips and tours, family vacations, or commercial need a special dealers’ insurance policy. Coverage applies to the motor home during the time it is rented to other parties. The dealer passes the cost of coverage onto the customers’ fees.


Commercial Motor Homes or Travel Trailers Insurance

Industries that use a commercial motor home or travel trailer include:

  • Race car drivers
  • Musicians and other entertainers
  • Film producers
  • Catalogue salespeople
  • Claims adjustors
  • Companies participating in exhibitions
  • Others

Related insurance is difficult to place and is viewed as a specialty coverage.


For more on motor home insurance, speak to an experienced independent insurance agency.




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Summary: PRIME Insurance focuses on motor home insurance in this general guide.









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