Am I required to carry motorhome insurance all year?

A motorhome is a convenient way to travel without losing the comfort of a home. However, unlike a home, your motorized home is on wheels and navigates the freeways and roads like a car. Other forms of RVs and trailers without a motor and wheels differ from motorhomes and therefore have different laws that govern them. Our Virginia Beach, VA team at Armor Insurance Group is committed to making sure motorhome owners get the coverage they need for their motorhomes.

What is Motorhome Insurance?

Motorhome insurance is similar to auto insurance in that it provides coverage for repairing or replacing your motorhome and liability coverage for personal injury to others or damage to other people’s property. Motorhome insurance is also similar to homeowners insurance. You can add different types of coverage to your policy to suit the unique needs of your motorhome and lifestyle. In essence, your motor home is a car. As a result, regardless of how frequently or infrequently you drive your motor home, some states require you to carry insurance.

I Drive my Motorhome Once a Year. Am I Required to Carry Motorhome Insurance?

Not all states require motorhome owners to carry insurance. Virginia is one such state. Motorhome owners aren’t required to carry insurance. Car insurance isn’t required either. However, if you’re financing your motorhome, the lender will probably require you to carry motorhome insurance. Although the state may not require you to carry motorhome insurance, your lender may, regardless of how frequently you drive your RV or motorhome. If you have questions about motorhome insurance and its benefits, we can help. Call us. We’d be happy to help you explore your options.