How Motorhome Insurance Protects Your Upgrades and Add-Ons

Owning a motorhome offers the freedom to create personalized and unforgettable adventures in and around the Spokane, WA area. Motorhome enthusiasts customize their vehicles for various reasons, thus needing an insurance policy to cover everything.  

What Do Upgrades Do For a Motorhome

Upgrades and add-ons can enhance:

  • Comfort: Customized interiors, upgraded mattresses, or climate control systems can make life on the road more comfortable and enjoyable.
  • Functionality: Add-ons like solar panels, larger water tanks, or advanced security systems can improve the functionality and self-sufficiency of your motorhome.
  • Aesthetics: Customized paint jobs, awnings, or interior décor can reflect your style and create a unique, eye-catching motorhome.
  • Resale Value: Many motorhome owners invest in upgrades and add-ons to increase the resale value of their vehicles, especially if they plan to sell or upgrade in the future.

Motorhome Insurance and Customization Coverage

Motorhome or RV insurance covers more than just the primary vehicle. It can extend coverage to your customizations, providing essential protection for your upgrades and add-ons. Here’s how:

Agreed Value Coverage: Agreed value coverage allows motorhome owners to specify their vehicle’s value, including customizations. In a covered loss, the agreed value is paid to the policyholder.

Custom Equipment Coverage: Many motorhome insurance policies offer customized equipment coverage, which explicitly protects upgrades and add-ons. If your custom solar panels, awnings, or entertainment systems are damaged or stolen, the insurance can cover their repair or replacement.

Personal Effects Coverage: Personal effects coverage extends to your belongings inside the motorhome, including upgraded items. 

Full-Timer’s Coverage: Full-timer’s coverage considers the unique needs of full-time RVers, including additional coverage for customizations and personal effects.

Capital Insurance Can Help You

At Capital Insurance, we can help answer questions concerning motorhome insurance. We serve the Spokane, WA area. Contact us today.