Many Canadians enjoy the flexibility that motorhome living brings. Whether you choose to live in your motorhome year-round or just for the summer months, these mobile trailers allow you to enjoy the comforts of home while on the road. Motorhome insurance is mandatory for anyone operating this type of vehicle. And because motorhomes are essentially a type of accommodation, the policy is usually a unique blend of vehicle and home insurance.
What is motorhome insurance?
Like car insurance, motorhome insurance will cover you for many similar perils on the road. Collision, comprehensive and liability coverage are usually standard on most policies. If your motorhome is your family’s primary accommodation, chances are it contains a large number of personal belongings. This is why many insurance providers will offer elements of home insurance coverage as well. Oegema Nicholson can help you obtain additional protection for the following items:
- Personal valuables, such as electronic devices and jewelry
- Exterior attachments, such as satellite dishes or portable modems
- Motorhome equipment and accessories, such as lighting fixtures, kitchen appliances, and satellite dishes
Motorhomes are just like conventional vehicles in that they can also break down on the road. Your motor could suffer a mechanical failure or you could run out of gas on a deserted highway. This is why it’s a good idea to opt for towing and roadside coverage as emergency services for motorhomes can get very costly. Should your motorhome become totaled in a collision, total loss replacement coverage can be purchased as well.
How is motorhome insurance helpful?
Aside from paying your deductible, motorhome insurance means you won’t have to pay out of pocket in the event of a loss. This important coverage provides you with peace of mind, so you can enjoy your trailer accommodations knowing you’re protected no matter what. Here are some of the ways in which motorhome insurance could potentially cover you:
- Comprehensive cover can cover your losses should your motorhome become the subject of theft, vandalism or weather-related damage
- If you’re at fault in an accident, the other driver will file a claim with their insurance company. Your insurer will pay that claim from your policy — up to the limits of your liability coverage. Expenses can include vehicle damages, legal fees and medical bills for the other party.
- If your RV needs to be towed following a collision, your insurance provider will cover some or all of the towing costs.
How much motorhome insurance do I need?
It’s important to let your insurance broker know whether you plan on living in your motorhome part time or year-round as this will affect your premiums.
The amount of insurance you need will depend on a number of factors, including the model of your motorhome and how much you plan on using it. Class A motorhomes, which include converted buses and luxury coaches, are the most expensive to insure. The smallest class of motorhomes are found in Class B, and come with much lower insurance premiums.
Rely on the insurance advisers at Oegema Nicholson to help you determine how much motorhome insurance you actually require. There’s no point spending hundreds of extra dollars for coverage you realistically may not need. A trusted broker can ensure you’re getting the right amount of insurance for your needs.
Why trust Oegema Nicholson?
At Oegema Nicholson, we have always believed our clients should be treated like family. Our friendly team is committed to ensuring your best interests, which means we work hard to represent you. Whether you’re seeking extra contents insurance for your personal belongings or basic coverage for a secondary used trailer, depend on our expertise to protect your motorhome investment.
For more information on motorhome surance, call us at 613-224-1455 or contact us here.