Hitting the open road with the family can be the adventure of a lifetime. There’s nothing more peaceful than hanging out with other RV families around a campfire. However, that dream can quickly turn into a nightmare when disaster strikes. Learning about your RV insurance in and around Spring Grove, IL ensures you’re prepared when something happens. 

Levels of Coverage

Motorhome policies have various levels of coverage, just like home and auto policies. Basic liability policies will provide coverage for the other person and their property if you’re in an accident, but won’t provide coverage for your motorhome. 

There are also collision and comprehensive-style policies for motorhomes that can provide coverage. Comprehensive coverage provides protection against damage that occurs while your motorhome is parked, but coverage depends on the cause. 

Covered Perils

Many policies provide coverage for a standard list of events, such as fires, lightning damage, natural disasters, theft, and vandalism. They may not cover less common disasters, such as floods or tornadoes. Always ask an agent at Spring Grove Insurance what events are covered in your policy before you hit the road. 

What’s Covered?

Your motorhome is your home on wheels. It’s crucial to ensure all items are covered in case of an incident. Ask agents about personal belongings and whether attached structures are covered, such as satellite dishes. Inquire about coverage limits to ensure you have ample coverage to replace belongings. If you use your motorhome as your primary residence, tell your agent that and ask about coverage for temporary lodging costs. 

We understand the importance of having the right policy for your home and belongings. Our compassionate Spring Grove Insurance agents will listen to your situation and help you find a policy that meets your needs. We’re currently serving the Spring Grove, IL area. Contact us today!