How Much Motor Home Coverage Do I Need?

If you live in or near Asheville, NC and own a motor home, you’re likely proud of your purchase. While owning a motor home certainly has its perks, certain responsibilities come with owning one. A critical aspect of owning an RV is ensuring adequate insurance coverage for protection. You might wonder how much motor home coverage is needed. Here is an overview that can help you decide.

What’s Legally Required?

If you own your RV and aren’t making payments, only liability insurance is required in North Carolina. However, if you’re financing your motor home, just like financing a car or truck, full coverage insurance is required. This is protection for you if the RV was to incur some damage.

What is Your RV Worth?

To be sure you have enough coverage on your motor home, you need to have it professionally appraised so you will know exactly what it’s worth. Once you know its worth, you can ensure you purchase coverage for at least that amount. This will enable you to repair or replace the motor home easily. 

How Often You’re Using Your RV

If you only use it once or twice a year, then you might not place a high priority on coverage. However, if you go on trips much more frequently, the chances of becoming involved in an accident increase, so your coverage should, as well. 

So, if you’re ready to protect your motor home so you can enjoy many future trips without worrying about potential accidents, theft, or vandalism, then call us at Asheville Insurance Center. We pride ourselves on providing top-notch customer service, as we go above and beyond to ensure all our customers’ needs are met, if not exceeded. 

What Should I Do if I Have an Accident While Driving my Motorhome?

Accidents happen, even when we’re being careful. We must have a clear plan for what to do next when they happen. If you’re driving your motorhome and have an accident, use this guide to help you through the process.

Check for Injuries and Call 911 if Necessary

Swiftly check yourself and your passengers for injuries. If you or anyone else is seriously injured, call 911 immediately. An ambulance can transport you to the nearest hospital for treatment. Some common injuries in auto accidents are whiplash, back and neck pain, concussions, and broken bones.

Move to a Safe Location

Once you’ve confirmed that everyone is okay, the next step is to move your vehicle to a safe location. If you can drive, pull over to the side of the road. If your car is not operational, turn on your hazard lights and wait for help. Getting out of the way of oncoming traffic is essential to avoid further accidents.

Get a Police Report

The police will come to the accident scene and file a report. This report will be important for your insurance company. The police will also help direct traffic and ensure everyone is safe.

Be sure to get the name, badge number, and contact information of the officer who filed the report.

Contact Insurance Agent

After the accident, you need to contact your insurance agent, like Asheville Insurance Center in Asheville, NC. They will help you file a claim and start the process of getting your vehicle repaired. Your insurance company will pay for the repairs if you have comprehensive or collision coverage. If you don’t have this coverage, you will be responsible for paying for the repairs yourself.

Don’t have motorhome insurance? Be sure to contact Asheville Insurance Center in Asheville, NC. We’re here to help you through the process and get you back on the road. Give us a call today.

What to Do if After a Motohome Accident

An accident involving a motorhome can be a scary event. Common causes of these accidents with accidents include inexperienced drivers, high winds, runaway trailers and overtired drivers.

If you have been in a motorhome accident in Asheville, NC, there are some steps you should take to protect yourself. 

Contact the police. If anyone was injured in the accident, you must call 9-1-1 for help so that everyone involved can receive the necessary medical help they need. Even if you are not injured, however, you must contact the police. This will also ensure you have a police report, which will be required if you file an insurance claim. This report will include all the accident details. Be sure to get the badge number and name of the responding police officer.  

Collect names and contact information. Make sure you get the names and contact info for the other driver and any passengers that may have been in the car. You should also get a description of the vehicle, including the make, model, and year, as well as their insurance company and policy number.  

File a claim. The next step will be contacting your insurance agent. The agent will be an essential step in paying medical bills or setting up repairs for your vehicle.

A motorhome accident can be scary, but when you know what to do when an accident occurs, you’ll be better prepared to react effectively.

Let Asheville Insurance Center Cover Your Motorhome
If you need insurance for your motorhome, the team at Asheville Insurance Center in
Asheville, NC can build a comprehensive plan that will meet your needs. Call or visit our office to learn more.  

Three things you might not know about motorhome insurance

If you own a motorhome in Asheville, NC, it’s important that you find the right solution for insuring it. A motorhome is a valuable possession. Owning one subjects you to certain liabilities.

At Asheville Insurance Center, we offer insurance policies to protect you against liabilities and protect your assets related to motorhome ownership. The following are three things you might not know about motorhome insurance.

There are three different motorhome classes. 

Motorhomes are classified into three classes when it comes to motorhome insurance. The three classes are Class A, Class B, and Class C. Generally, they are classed according to their size and the number of people they accommodate.

The smaller classification is for Class B motorhomes, which are no longer than 21 feet and sleep four or less. Class A motorhomes are the largest and measure between 21 and 40 feet. Class C motorhomes are no longer than 33 feet and sleep up to six people.

The price of insuring a motorhome depends in part on what class it is. It’s good to be aware of what class motorhome you have when you’re shopping for insurance. 

Motorhome insurance policies specify recreational or full-time coverage.

You’ll need to specify whether you use your motorhome for vacationing or as a full-time residence when you purchase a policy. Full-time coverage policies are likely to be a little more expensive. However, they also offer more coverage than policies specified for recreational use. 

Motorhome coverage types include liability, collision, comprehensive, and more.

Motorhome coverage is much like auto insurance coverage. The main types of coverage are liability, collision, and comprehensive coverage. You may want to consider some additional coverage types: uninsured motorist, personal property, and residential liability coverage. 

Let us assist you with selecting your motorhome insurance policy in Asheville, NC. Contact us by phone or on the Web at Asheville Insurance Center with your motorhome insurance inquiries and questions. 

Why Do You Need Motorhome Insurance To Stay Safe?

In today’s society, many individuals are deciding to live a more contemporary type of lifestyle instead of traditional. Imagine being able to travel the country and live wherever you want to whenever you want to. That is what you can do with a motorhome. 

At Asheville Insurance Center, we are based in Asheville, NC as a family-owned and operated independent agency. We have served the local area and even some parts of South Carolina for over 23 years now. It is a great feeling to know that we can provide residents with the proper motorhome insurance that they need. Being able to travel, live in a non-traditional home, and still be happy with life. Here are a few key reasons as to why you should acquire motorhome insurance and work with an agency that has your best interest at heart. 

It is highly recommended that whether you have your RV out on the road or in storage that you have insurance on it. By state law, you must have insurance first before you can even register the title to your RV and have tags. Having this size of an investment should be protected at all times as anything can happen. This is not just a part-time home for some people. This is their full-time home. Having a great team to consult with and understand the best insurance policy for your motorhome is a must-have. 

Ready to speak with one of our representatives about your new motorhome insurance? You can call our office in Asheville, NC during business hours to reach a representative at (828) 505-7222. You can also ask for a review of your current policy and coverage as well if you have an existing motorhome policy.