Motor Home Insurance in Arizona

Exploring Arizona’s diverse landscape in a motorhome is a popular tradition among residents and visitors of the “state of 48.” Whether you’re visiting the desert southwest or traveling north to the Grand Canyon, you’ll need to have an insurance policy.

What is Motorhome Insurance?

Since a motorhome serves as a vehicle and a house, owners will need “hybrid” insurance. At a minimum, you’ll need liability insurance that covers property damage and bodily harm. Since motorhomes are larger and heavier than standard vehicles, getting involved in an accident often results in extensive damage.

Because of this risk, many motorhome owners buy more insurance than the law in Arizona requires. For example, if you want more coverage than your liability policy provides, you can buy an umbrella policy to boost your existing coverage.

Remember that you may need to carry comprehensive coverage if you agree to a loan to buy your motorhome. Although the law doesn’t require it, your lender may require you to carry comprehensive coverage as part of the loan agreement. Comprehensive coverage covers damages from accidents and any damage that may happen while it’s parked.

If you want a specific type of coverage based on how often you use your motorhome, you can choose to add optional policies such as:

• Underinsured motorists - Covers the cost of damage if you’re involved in an accident with a motorist who doesn’t have insurance.
• Collision coverage - Covers property damage regardless of who is at fault.
• Vacation liability coverage - This coverage protects your motorhome if you’re staying in a recreational vehicle park.
• Contents coverage - This policy covers the content of your motorhomes like furniture, appliances, or clothes. It’s beneficial for people who own larger motorhomes and use them as full-time residences.

Contact us today at the Morrow Insurance Agency for more information on motorhome insurance requirements in Mesa, AZ.