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Motor Home Coverage Information

 

Liability:
Covers your legal liability for property damage and bodily injury that you are legally responsible for as the result of an accident.
Collision:
Covers damage to your motor home sustained as a result of an accident.
Comprehensive:
Sometimes referred to as "other than collision," this coverage pays for losses to a motor home from perils such as fire, vandalism, and theft.
Personal Effects:
Since collision and comprehensive insurance cover only the permanently attached items of a motor home, many owners add "personal effects" coverage to cover such things as cameras, clothing, cooking utensils, silverware, linens, dishes, fishing/sporting/vacation equipment, and other personal possessions incidental to the use of a motor home.
Uninsured Motorist:
Provides protection for bodily injury if another party is legally liable but does not have insurance. Some states require Uninsured Motorist Property Damage insurance, as well. Underinsured Motorist: Applies when the liable party's insurance is insufficient top pay for the extent of your bodily injury.
Medical Payments:
Pays your medical expenses, up to the limit of the coverage, for injuries sustained as a result of an auto accident.