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Your motorhome is more than an auto, and your motorhome insurance should cover more than what auto insurance covers. Rather than add your motorhome to your auto insurance policy, consider insuring your motorhome with its own policy.
Keep in mind the following:
If your motorhome is damaged while you're traveling, you're going to need a place to stay and transportation to the lodging.
When parking your motorhome at a campsite, you will probably be liable for the area surrounding your vehicle. If someone is accidently injured, you may be liable.
You carry a lot of belongings in your motorhome that you would'nt keep in your car, such as clothing, jewelry, household effects, VCRs, laptop computers, cameras or outdoor equipment such as camping/fishing/hunting gear.

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If you insure your motorhome using a standard auto insurance policy instead of motorhome insurance, none of the incidents mentioned above are covered in the event of loss. This alone could cost you thousands if you needed to make a claim.

When you insure your motorhome on its own policy, you'll have a wide range of coverage for a wide range of incidents that could happen.


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