Cheap Motorhome Insurance – A Comprehensive Guide

Motorhomes are a great way to explore the world around you, but they can be expensive to insure. That being said, there are ways to get cheap motorhome insurance without sacrificing coverage. In this article, we’ll explore the ins and outs of motorhome insurance and how to get the best deal for your needs.

What is Motorhome Insurance?

Motorhome insurance is a type of insurance specifically for motorhomes, which are typically larger than regular cars and used for travel and camping. It covers damages, theft, and liability while you’re driving or parked. Motorhome insurance is similar to car insurance, but it often includes additional coverages such as personal belongings and roadside assistance.

What Does Motorhome Insurance Cover?

Motorhome insurance can cover a variety of things, depending on your policy. Here are some of the most common types of coverage:

Coverage Type
Liability Coverage
Covers damages or injuries you cause to others while driving
Comprehensive Coverage
Covers damage to your motorhome from non-collision incidents such as theft, fire or natural disasters
Collision Coverage
Covers damage to your motorhome from accidents, regardless of fault
Personal Belongings Coverage
Covers your personal belongings that are stolen or damaged while inside your motorhome
Emergency Expense Coverage
Covers costs incurred if your motorhome becomes uninhabitable while on a trip
Roadside Assistance
Covers costs of towing and basic roadside assistance services

How is Motorhome Insurance Different from Car Insurance?

While motorhome insurance and car insurance have some overlap, there are a few key differences:

  • Motorhomes are often more expensive to insure than regular cars because they’re larger and more expensive to replace or repair.
  • Motorhome insurance often includes additional coverages such as personal belongings and roadside assistance.
  • Motorhome insurance may have different requirements for storage, usage, and mileage.

How to Get Cheap Motorhome Insurance

Now that you know what motorhome insurance is and what it covers, let’s explore some ways to get cheap motorhome insurance.

Shop Around

The first step in getting cheap motorhome insurance is to shop around and compare rates from different insurers. Motorhome insurance rates can vary widely depending on the insurer, so it pays to do your research.

Bundle Your Insurance

If you have other insurance policies, such as auto or home insurance, you may be able to save money by bundling them with your motorhome insurance. Many insurers offer discounts for bundling policies.

Get Discounts

Ask your insurer about any discounts you may be eligible for. These can include safe driver discounts, multi-policy discounts, and membership discounts (such as AAA).

Choose a Higher Deductible

A higher deductible means you’ll pay more out of pocket if you have a claim, but it also means lower monthly premiums. Consider choosing a higher deductible if you want to save money on your premiums.

Drive Less

Insurers may offer discounts for motorhome owners who use their vehicles less frequently. If you’re retired or only use your motorhome for short trips, let your insurer know. They may be able to offer you a discount.


What is the Best Insurance for Motorhomes?

The best insurance for motorhomes depends on your specific needs and budget. It’s important to shop around and compare rates from different insurers to find the best deal for you.

Is Motorhome Insurance Required?

In most states, motorhome insurance is required if your motorhome is registered and driven on public roads. However, the specifics may vary by state, so check your state’s laws to be sure.

Can I Get Motorhome Insurance if My Motorhome is Old?

Yes, you can still get motorhome insurance if your motorhome is old. However, the premiums may be higher than for a newer motorhome.

What Does Full-Timer Coverage Mean?

Full-timer coverage is a type of insurance specifically for people who live in their motorhomes full-time. It provides more comprehensive coverage than standard motorhome insurance and can include coverage for personal liability and loss of personal property.

What if I Have an Accident?

If you have an accident, stay calm and call your insurer as soon as possible. They’ll guide you through the claims process and help you get the repairs you need.


Getting cheap motorhome insurance is possible if you’re willing to do your research and shop around. Follow the tips outlined in this article to get the best deal for your needs and enjoy worry-free travels.