If you’re like most people who own a motor home, you invested a lot of time, care, and attention when selecting your motor home. That same degree of time and attention needs to go into finding the right insurance policy to protect your motor home and the precious cargo it carries.

We have served the insurance needs of New Jersey residents for the past five decades and are excited looking ahead to the next five. When it comes to motor home insurance, we understand how important it is to protect your motor home for not only for the investment that it is, but also for the memories that it holds.

It’s this level of personal service from our professional agents that sets us apart from other insurance agency that you might find promising cheap insurance in television ads.

Who Needs Insurance for Motor Homes?

People buy motor homes for many reasons.

  • A place to get away from it all.
  • Affordable vacation option.
  • Guest room for visitors.
  • Quality time with the family.
  • Tailgating.
  • To bring pets on vacation.

In all of these situations, insurance on your motor home is necessary, not optional. This is because you’re motor home won’t be adequately covered by the same insurance policies that insures your home or car. If you have one, you need insurance coverage to protect the investment you’ve made in your mobile home.

What Type of Motor Home Insurance Coverage do You Need?

Motor home coverage is important whether you have an RV, travel trailer, or fifth wheel. The way you use your motor home plays a role in the type of coverage you need. For instance, people who live in their motor homes or stay in them for extended periods (we’re talking to you snowbirds) may need something called full time coverage for your motor home.

Almost all motor home owners, though, need the following types of coverage:

  • Bodily Injury/Property Damage Liability
  • Campsite/Vacation Liability
  • Comprehensive and Collision
  • Emergency Expense
  • Fire Department Service Charge
  • Medical Payments
  • Pet Injury
  • Replacement Cost Coverage
  • Replacement Costs (for personal effects)
  • Towing and Roadside Assistance
  • Uninsured/Underinsured Motorist

Keep in mind that your insurance policy for your motor home typically includes coverage for accessories, such as satellite dishes, awnings, and roof-top air conditioners, in addition to personal belongings housed inside of your motor home. Some motor home owners choose optional coverage, such as campsite/vacation liability coverage, that is above and beyond comprehensive coverage.

Why Turn to Us for Your Motor Home Insurance Needs?

In addition to our long history serving insurance needs throughout New Jersey, we also offer outstanding customer service and professionalism. In fact, the tenants of our business are professional agents and personal service. We work with top-rated insurance companies, which enables us to get you the best coverage at the lowest possible cost.

Visit us online today for a free, no obligation quote. If you’re interested in saving even more money, make sure to ask about our package policy discounts. We’re sure you’re going to love how inexpensive our full-coverage policies can be.