WEDNESDAY, SEPTEMBER 6, 2023
Whether you’re moving across the country or you’re just spending some time hauling items for your campsite, having a motorhome can be very valuable. Adding a trailer gives you more room to carry larger items, and this can be one of the best ways to bring along large amounts of furniture or belongings. However, you’ll need to have the proper RV insurance in place for both the motorhome and the trailer in order to be financially protected should something happen to either vehicle. What should you consider when shopping for coverage? 
Protecting Your Recreational Vehicle
The first step should be to invest in RV insurance for your motorhome. This type of insurance coverage provides protection in several ways:
- It can minimize liability risks, which are incidents when you cause damage to someone else’s property.
- It can aid in protecting the vehicle from risks such as fire, theft, and vandalism.
- It can protect the contents on board, including your personal possessions.
- Collision insurance — a common additional layer of coverage — can help protect you financially if the vehicle is damaged in an accident.
RV insurance is adaptable. You can add coverage to protect your high-end valuables. You can also customize your to meet specific needs related to your style of motorhome, based on its value.
Protecting Your Trailer
If you are pulling any type of trailer behind your motorhome, you’ll need to boost your insurance coverage to protect against losses. You might want to consider additional liability insurance for the trailer, for cases where it gets uncoupled from your motorhome and damages someone else’s property. Additionally, trailers — and the contents they hold — can be quite expensive, so you could need extra coverage to protect them from theft or collision.
With the right type of RV insurance in place, you’ll gain the protection you need for your motorhome. Trailer coverage helps mitigate the risks you face when pulling a utility trailer behind your RV. If you need to haul a lot of gear, consider adding a trailer to your motorhome — but don’t forget to protect both with a quality insurance policy.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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