Buying a motorhome can be exciting, but when it’s time to purchase insurance, be careful. A motorhome is a specific type of RV, and the insurance coverage that you need for it is slightly different than what you might need for a trailer-style RV. The problem is that not everyone remembers to look specifically for motorhome insurance — many search for RV insurance and look at prices without distinguishing between different RV types. An insurance agency like Modern Choice Insurance, serving Las Vegas, NV, can steer you toward the correct policy.
Motorhomes Are RVs, but Not All RVs Are Motorhomes
Motorhomes are RVs that don’t have the living space as a separate component from the driving space. Think Class A RVs, those very large vehicles that are all one piece and that look like giant tour buses. These vehicles require more expensive policies that contain liability coverage since the actual motorhome is the vehicle you drive. Trucks that pull trailers are different because the trailer itself isn’t the vehicle you drive, so you don’t always need liability on the trailer part (the truck is another matter).
Motorhomes are also usually larger than trailers, and much heavier. If they’re involved in an accident, they can cause more damage. Obviously, the total damage caused relies on more than just the type of RV; a huge truck and trailer that was speeding, for example, could cause a lot more damage than a smaller motorhome that was moving slowly. But in general, motorhomes tend to be heavier, so the cost of insurance reflects this.
As you search for your dream RV, give Modern Choice Insurance, serving Las Vegas, NV, a call. We can help you price out different policies so you can settle on the right coverage for the motorhome you want to buy.
