Dealership hours of operation
Mon - Sat 9:00 AM - 5:00 PM
Sun 11:00 AM - 5:00 PM
Dealership hours of operation
Mon - Fri 8:00 AM - 4:30 PM
Sat - Sun CLOSED
Dealership hours of operation
Mon - Fri 9:00 AM - 5:00 PM
Sat - Sun CLOSED
1490 Highway 11 S, Oro-Medonte, ON, L0L2L0

Learning the Basics of Motorhome Insurance

Learning the Basics of Motorhome Insurance

Travelling the countryside in a motorhome is an incredible experience that allows you to explore Canada's beautiful landscapes and popular attractions comfortably. However, before embarking on your next road trip, it's crucial to ensure that your motorhome is properly insured. This comprehensive guide will delve into the basics so you end up learning the basics of motorhome insurance.

 

Understanding a Typical Motorhome Insurance Policy

 

Understanding a Typical Motorhome Insurance Policy

Like car insurance, a typical motorhome insurance policy provides several basic protections. Liability coverage covers you if you are held liable for causing injury, loss of life, or damage to someone else's property in a collision involving your motorhome.

 

If a collision results in medical bills, rehabilitation expenses, funeral costs, or loss of income due to disability, accident benefits coverage can help mitigate these financial burdens. When your motorhome is involved in a collision with another insured motorist in your province who is at fault, this coverage helps cover the cost of repairing your motorhome and specific items within it.

 

Insurance Coverage Variations for Different RV Types

 

If you have a moveable or towed trailer, you may have the option to add it to your home insurance policy. All-risk coverage and replacement costs may be available for trailers purchased new. Structures fixed on a piece of land and not frequently transferred should be added to your home insurance policy.

 

Motorhomes require specific motorhome insurance coverage. This insurance protects your motorhome in collisions where you are not at fault or when another driver is at fault. Additional coverage options may be available to protect against damages such as fire, theft, windstorms, hail, and more. You can also protect the contents of your motorhome and have access to alternative transportation if your motorhome becomes undrivable.

 

Towing a Car Behind Your Motorhome

 

Towing a Car Behind Your Motorhome

If you plan on towing a car behind your motorhome, it's crucial to ensure that your car insurance is up to date. Though you may have motorhome insurance, it doesn’t extend coverage to your car. Therefore, if any incidents occur while your car is hitched to your motorhome, your car's insurance will provide the necessary protection.

 

Consulting with Your Insurance Provider

 

Now that you have a basic understanding of motorhome insurance coverage options, it's important to consult with your local insurance provider to determine the best coverage for your specific needs. They will guide you through the available options and help you choose the right insurance policy for your motorhome.

 

Best Motorhomes for Sale in Ontario

 

Protecting your motorhome with the right insurance is crucial for peace of mind during your travels. Once you have that in place, you can fully enjoy the freedom and adventure that comes with the RV lifestyle. Explore the New motorhomes for sale in Ontario and secure your investment with the appropriate motorhome insurance with The Hitch House.

Categories: New RV, Motor homes