If you’re buying a motorhome soon, you might be wondering what you need to operate it safely.  The Savannah, GA law requires that all motorhome owners carry motorhome insurance, particularly liability coverage. Motorhomes are generally more expensive to insure than most RVs as they cost more to replace than travel trailers and other RVs. At TruePoint Insurance, we recommend assessing your needs before purchasing motorhome insurance to maximize helpful coverage. Here are some of the factors that determine how much insurance you will need.

Motorhome usage

How you use your motorhome greatly affects how much insurance you will need. If you’re always on the roads, your insurance company may need you to have vacation liability and enough bodily injury and property damage liability. If you use your motorhome for recreation purposes, let your insurer know approximately how many days in a year you use your motorhome to adjust your rates.

Driving experience and record

Handling a motorhome is a completely different experience than driving a normal car. You have to know how to negotiate corners, keep the length and height of your motorhome in mind and drive carefully to maintain a clean driving record: the cleaner the records, the better the rates.  Additionally, too many claims indicate risk on the road.

Your location

Where you live or store your motorhome in Savannah, GA, matters as populated areas are at higher risk of accidents, which can increase your motorhome insurance costs. Regions prone to catastrophic weather may also cost more to insure. Motorhomes are large, expensive vehicles and a big target for car thieves. Consider storing them in a spacious locked garage or taking them to a storage company for additional safety.

At TruePoint Insurance, we can help you get a motorhome insurance policy that truly reflects the factors that will go with your motorhome.  Check out our website for more information and hesitate to call us if you have any questions.