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. 

Who needs to have motorhome insurance in Washington?

Those that live in the Spokane, WA area will find there is a lot to do and enjoy. If you want to experience the area as much as possible, owning a motorhome can be ideal as it will provide you with a great way to get around. If you do purchase a motorhome, you also need to get motorhome insurance.

There are different situations when someone should have this coverage:

Those that Want to Drive

A situation when you will need to have motorhome insurance is when you want to drive it. If you are going to use any type of vehicle in Washington, you need to have liability insurance. This type of insurance ensures that you have the ability to cover damages if you cause an accident. When you have a motorhome insurance plan, it will provide this coverage to ensure you remain in compliance.

Those Looking to Protect Assets

You will also want motorhome insurance to protect your assets. A motorhome insurance plan with full collision and comprehensive coverage will provide all of the support you need to protect this valuable asset. With this coverage, it will offer support if you need to replace or repair your motorhome. This type of coverage will also be required if you choose to take out a loan when buying your motorhome.

Contact Us Today

If you would like to own a motorhome in the Spokane, WA area, it would be wise to ensure you have appropriate insurance in place. As you are looking for a new motorhome insurance policy, calling Capital Insurance to start your search is always helpful. Capital Insurance understands the value of this coverage and will give you input and guidance to help you choose your policy. This will ensure your asset is covered and that you continue to remain in good standing.