Purchasing Mini-Motorhome Insurance
More families and couples alike are choosing to take control of their travel and vacation destinies by purchasing a mini-motorhome, or class-c vehicle. Mini-motorhomes are typically built on an automobile chassis and provide the benefits and amenities associated with a full sized motorhome without the bulk and for a lower price.
Once the mini-motorhome is purchased, the next step is finding proper mini-motorhome insurance coverage for it that will take into account the unique coverage necessary for this home on wheels. While any class-c vehicle could simply be added to an existing auto policy, this is not advised for mini-motorhomes. Consider coverage designed especially for these vehicles and the fact that more is at risk of loss with them than with a typical automobile.
Full Coverage with Mini-Motorhome Insurance
For example, mini-motorhome insurance covers a travelers personal effects kept inside the vehicle at a far higher level than that of typical auto insurance. People keep many more items in their recreational vehicles than in a car. Things like jewelry, laptops, camcorders, binoculars, electronics, and outdoor gear are not going to be covered by standard auto insurance.
Additionally, when parking a mini-motorhome at a campsite, travelers may find they are liable for the area around the RV. In the event that someone is injured inside a certain legal perimeter, the owners may be liable. Mini-Motorhome Insurance that is designed specifically for mini-motorhomes will cover these contingencies.
There are three types of compensation that can be attained through mini-motorhome insurance. Buyers can choose a policy that will replace the vehicle, if totaled, for market value, for an agreed upon price, or new replacement value. The latter is the most expensive and is usually only available on mini-motorhomes five model years old or less.
A vacation liability package can be added on to standard mini-motorhome insurance for pleasure travelers that will cover liabilities up to $500,000. It will also cover a rental car and hotel room in the event that the vehicle is damaged during pleasure travel while it is being repaired. Typical vacation liability riders carry a reasonable $100 to $200 deductible.
If the owner of the vehicle is not a vacation or pleasure traveler, but makes the mini-motorhome his primary residence, a different type of policy will be necessary. This is called a full-timers policy and is similar to a homeowners policy. This is the type of mini-motorhome insurance that is required if the owner of the vehicle does not own any other residence.