Understanding Motorhome Insurance. Motorhome insurance provides coverage for your motorized recreational vehicles against a variety of risks, such as accidents, thefts, vandalism and liability claims. Motorhome insurance policies are similar to auto insurance in that they include different types of coverage. Each type is designed to provide comprehensive protection for your travels.

Motorhome insurance coverage types:

Liability Insurance:

Bodily Injury Liability: Covers legal and medical fees in the event that you cause injury to someone else in an accident involving your motorhome.
Property damage liability pays for the repair or replacement of damaged property if your motorhome damages someone else’s.
Collision Coverage:

Your motorhome is covered for repair or replacement costs if damaged by a collision or impact with another object or vehicle.
Comprehensive Coverage:

Protects against non-collision-related damages, such as theft, vandalism, fire, extreme weather events, and falling objects.
Uninsured/Underinsured Motorist Coverage:

If you are involved in an accident involving a driver without adequate insurance, Steps will cover your medical costs and property damage.
Medical Payments Coverage

Medical expenses for you and your passengers incurred as a result an accident are covered, regardless of who is at fault.
Motorhome Insurance Factors: There are several factors that can affect the price of motorhome premiums.

Motorhome size and class: Insurance premiums for Class A motorhomes are generally higher due to the size, value and luxury amenities they offer compared to motorhomes in smaller classes.
Your driving history, such as any accidents or violations in the past, may affect your insurance rate.
Insurance rates are affected by the location and frequency of use of your motorhome, as well as where it is stored when not in use.
Insurance costs are affected by the value and age of a motorhome. Newer motorhomes, which tend to be more expensive, have higher replacement costs.
Motorhome Insurance: What you need to know

A policy with adequate coverage limits will protect your motorhome and personal possessions in the event of a loss or accident.
Additional coverage options: For added peace of mind, consider adding additional coverage such as roadside assistance and emergency expenses.
Ask about discounts and savings: You can lower your premiums by combining policies, joining a motorhome club, or installing anti-theft devices.
Regularly review and update your policy: Your motorhome use and circumstances may change over time, so it is important to periodically review and update your insurance coverage.