Motor Home Insurance in Maryland

You have purchased a motor home and cannot wait to hit the road for some traveling and camping. A motor home is sometimes referred to as an RV or recreational vehicle, although an RV can be a trailer that you pull while a motor home is driven like a vehicle, and you can also live or camp in it. To protect your temporary home on wheels, you will need to obtain a motor home insurance policy, but what will it cover? See below for some coverage options.

Liability Insurance

In the state of Maryland, you must obtain at least liability insurance, which is the same law that governs all types of vehicles. This coverage will pay for any injuries sustained by others, or any property damages caused deemed to be your fault if an accident occurs.

Uninsured and Underinsured Motorist Insurance

In addition to liability insurance, you will want to purchase underinsured and uninsured coverage to protect your motor home if you’re involved in an accident caused by someone who does not have any insurance or does not have enough insurance to pay your medical bills or property damage.

Comprehensive Insurance Coverage

This is an important type of coverage, especially if you still owe on a loan you used to purchase your motor home. Comprehensive coverage will cover your motor home if a theft incident occurs, someone vandalizes it, or a fire or natural disaster damages your motor home. If your motor home is stolen, this type of coverage will pay to replace it with a comparable model.

Collision Insurance

Collision insurance covers your motor home's repairs if it is damaged in an accident with another motorist or an object. For example, if you back into a building, it will pay for damages to your motor home and the building you struck.

To determine the best coverage for you and your situation, you will need to contact a trusted and experienced motor home insurance agent. The motor home insurance agents at the Renee Oliver Insurance Agency in Silver Spring, MD are ready to assist you. Call for a quote today!