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At T.D. McNeil Insurance Services offers residents in Folsom, CA, the motorhome insurance they need to explore confidently. If you’re ready to go on new adventures and discover new life in joys, having motorhome insurance you can count on will enable you to live in the moment without being bogged down by worries of what-ifs and oh nos.
Why Motorhome Insurance is Important
Motorhome insurance is important because RVs and other recreational vehicles are big investments that can lead to significant damages if there is an accident or incident. Thus, it is a good standard practice to ensure extensive motorhome coverage.
California law requires that no matter where you plan on going with your motorhome if it is registered in California, you have to have at least a bare minimum of coverage. You must have at least $15,000 in bodily injury per person, $30,000 in total bodily injury, and $10,000 in property damage of liability coverage. This applies to any motorhome that can move under its own power.
What Motorhome Insurance Protects
While you have to have liability insurance, a motorhome policy can offer a wide range of other coverage, depending on your needs and the level of protection you want. Higher levels of coverage are critical if you plan on going on many or long trips. Those who use their motorhomes as their primary home generally want the most coverage. If you use your motorhome less often, higher levels of coverage may be less appealing to you, but what is right will depend on your overall circumstances and personal desires.
Some coverage types you might want to have include:
- Collision coverage for any damage that comes to your vehicle from accidents with objects or other vehicles
- Comprehensive coverage for non-collision related damages like natural disasters, vandalism, or other issues beyond your control
- Bodily damage and property damage liability cover a range of expenses like medical bills, property expenses for someone else’s medical bills, or property damage.
Take on New Journeys Stress-Free
Motorhome insurance is important for Folsom, CA, residents, which is why T.D. McNeil Insurance Service wants to offer the level of coverage that each person wants or needs for their unique circumstances. Request a quote, and we can help you start new journeys protected by quality insurance policies matched to your needs.
