What to Know About Motorhomes Before Hitting the Road

Motorhomes allow you to take the comfort of home on the road. However, before starting any journeys, there are some important things you need to understand about motorhomes. As with pretty much everything, motorhomes present some risks and challenges. Fortunately, you can mitigate many of these risks by taking out motorhome insurance and through other means. If you’d like to discuss motorhome insurance policies and if you’re looking for a provider that serves Mesa, AZ and other areas nearby, contact Freedom Insurance Agency.

Ensuring a Safe Trip With Your Motorhome

Motorhomes are large, heavy vehicles. As such, if you get into an accident, there is a high chance that many people could end up injured. This means you should closely inspect your motorhome before hitting the road. Among other things, you need to ensure that the brakes work correctly, that the tires are in great condition, and that all your turn signals and mirrors are in good shape.

It’s also crucial to get the right motorhome driver’s license. Also, if you’re new to operating motorhomes, you should practice driving your motorhome before embarking on a long road trip. You can start simply by taking short journeys around town. This will afford you the opportunity to understand how your vehicle responds while in operation.

That said, even the best drivers may end up in an accident. You may operate your vehicle safely and correctly, but someone else could cause an accident. Further, criminals might vandalize your motorhome or break in to steal your personal belongings.

The good news is that the right motorhome insurance plans can provide coverage for many events. Of course, to determine what’s covered and what isn’t, it’s a good idea to work with an insurance agent. If you’re looking at motorhome insurance policies, contact Freedom Insurance Agency. We serve Mesa, AZ and other communities.

Hitting the Road: How is Full-Time Motorhome Insurance Different from Vacation Use?

Are You One of a Million Full-Time RVers?

According to the RV Industry Association, there are a million RVers in the USA living as "full-time nomads." If you’re one of them or live six months or more in your RV each year, we’re with you at Freedom Insurance Agency in Mesa, AZ. The insurance needs of the full-time RV life are different from occasional vacation use.

When you’re taking a trip every now and then, your insurance is similar to motorist insurance for your car or another vehicle. Once you make RV life your lifestyle, the coverage that includes typical homeowner-style elements can make your life much easier.

What are the Concerns of Full-Time RV Life?

One of the most important coverage features you might need while living in your RV long-term is providing somewhere you can live if your RV needs damage repairs. You’ll also need to think more about liability issues, even shared liability if you’re part of an RV park HOA. There are typical concerns of visitors to your home experiencing an injury, and inadvertent harm to others’ property by your RV’s occupants that causes damage, which your standard homeowner’s policy would be designed for in "stationary life."

Other Areas Full-Timers Think About

Coverage for your personal property, medical expenses, and any coverage required by your lender if you have an RV loan may be important. In the event that your RV is totaled, there are several kinds of insurance available that can make sure you’ll still be able to afford a new replacement RV, even if the value of your RV has declined over the years. Don’t forget RV-scale roadside assistance and towing. 

For expert assistance, reach out to Freedom Insurance Agency in Mesa, AZ!