Motorhomes are an easy way to travel while taking the conveniences of home with you. You need reassurance knowing you have the right insurance coverage whether you’re setting out on a short journey to cottage country or embarking on a cross-country adventure. Allstate can provide the coverage you need for your home on wheels.
What’s included in the mandatory motorhome insurance coverage?
If you get involved in an accident and you’re held legally liable for injury to or the death of other people, you will be covered. It also covers damage to their vehicle or property.
- Accident Benefits
Medical expenses, rehabilitation, funeral expenses, and loss of income due to disability (are covered (not applicable in Quebec) and more.
- Direct Compensation Property Damage
You are covered for damage to your motorhome and to property it is carrying when another motorist insured in your province is responsible (Ontario, New Brunswick and Nova Scotia).
What are the types of optional motorhome insurance coverages?
- Collision or Upset
The cost of repair or the replacement of your motorhome is covered (up to its actual value less your deductible) if you have a collision with another vehicle or an object (e.g. tree or guiderail).
Physical damage to your motorhome (not resulting from a collision) caused by events like theft, vandalism, fire, falling objects, lightning, explosion, windshield damage, or impact with an animal are covered.
- Specified Perils
You are covered for physical damage to your motorhome caused by a specific list of perils including fire and lightning, theft or attempted theft, windstorm, earthquake or hail, explosion, riot or civil commotion, and falling or forced landing of aircrafts or parts of the aircraft. This is more limited than Comprehensive.
The contents of your motorhome, like household items and electronics, are insured (not available in Quebec).
- Guaranteed Replacement
Replaces your motorhome in the event of a loss if it’s less than 36-months-old (not available in Quebec).
- Alternative Transportation
Reimburses you for a rental if your motorhome is being repaired as a result of damage.
- Family Protection Endorsement
Provides additional benefits if you or your family members are injured or killed in an accident caused by an uninsured motorist (excluding Quebec).
How can I save money on my motorhome insurance?*
- “Take Two” Advantage®
Combine your property and motorhome insurance with Allstate and you could save on both policies.
- Check out our other discounts.
Talk to a local agent to learn more about these motorhome discounts.
How can I get an car insurance quote?