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Advantage Service Insurance

695 Pierce Street, Suite 210
Erie, CO 80516

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Does Motorhome/RV insurance cover my trailer?

Advantage Service Insurance, serving Erie, CO, wants you to understand your motorhome coverage and what it protects so you get no surprises if you need to file a claim.

A motorhome policy covers more than an actual RV. You might expect an RV policy to work as an auto policy, but it doesn’t. An auto policy covers your personal property inside the vehicle, but an RV policy also called a motorhome policy, does not. You need to add personal effects insurance to cover your personal property you transport in the vehicle.

You may not need an RV policy for your trailer you tow or a popup trailer because your auto insurance does cover it. You might want a policy, though, because your auto insurance won’t cover it fully. 

You also may have to carry a policy for it if you obtained a loan to purchase it. The same is true of any size RV. If you obtained a loan to purchase it, the bank typically requires an insurance policy.

A motorhome policy covers your recreational vehicle of any of the four major classes of a motorhome. It also covers the trailer or popup type of vehicle.

You also need to carefully discuss the level of coverage you want the policy to provide. Typically, the only way to obtain actual replacement value coverage is to insure a vehicle purchased within the past year and which you titled originally. If you purchased it from another source besides an RV dealership that sells new vehicles, you probably could not obtain replacement value coverage or total loss replacement.

Contact Advantage Service Insurance, serving Erie, CO, for more information on motorhome policies. Let us help you properly insure your rolling home.

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