Boat & Recreational Insurance

Is Motorhome Covered by Auto Policy?

Many motorhome owners assume their auto or homeowner’s policy offers enough protection. It’s an easy conclusion to reach, especially since a motorhome is driven like a car. However, that assumption often creates serious coverage gaps. A motorhome is both a vehicle and a living space, which introduces risks that standard policies were never designed to handle. In addition, motorhomes tend to hold higher value and remain exposed whether parked, driven, or occupied. Because of this, relying on basic coverage can leave owners vulnerable at the worst possible time. Motorhome insurance exists to address these realities and provide protection that reflects how these vehicles are actually used. Simply put, what works for a car rarely works for a motorhome.

What Makes Motorhome Coverage Different?

Unlike standard auto policies, motorhome insurance typically protects more than just the vehicle itself. Since a motorhome serves as a home away from home, personal belongings inside often carry significant value. For example, furniture, electronics, appliances, and travel equipment may all need protection. It requires a different level of expertise.  Because travel often happens far from home, coverage may also extend to emergency expenses. As a result, lodging, meals, or travel costs may be covered after a covered loss. This added flexibility matters when plans change unexpectedly.

How Do You Know If You Have the Right Protection?

No two motorhome owners travel the same way, which makes personalized coverage essential. Therefore, reviewing policy details helps ensure protection aligns with how often and how far you travel. In addition, optional coverages can enhance protection for longer trips or extended stays. Speaking with an experienced agent helps clarify where standard policies fall short and where added protection makes sense. At Nickerson Insurance Services, Inc., the goal is to build motorhome insurance that protects your vehicle, your belongings, and your financial stability. With the right coverage in place, you can focus on the journey ahead, not the risks you may have overlooked.