Category: Motor Home Insurance

At T.D. McNeil Insurance Services offers residents in Folsom, CA, the motorhome insurance they need to explore confidently. If you’re ready to go on new adventures and discover new life in joys, having motorhome insurance you can count on will enable you to live in the moment without being bogged down by worries of what-ifs and oh nos.

Why Motorhome Insurance is Important

Motorhome insurance is important because RVs and other recreational vehicles are big investments that can lead to significant damages if there is an accident or incident. Thus, it is a good standard practice to ensure extensive motorhome coverage.

California law requires that no matter where you plan on going with your motorhome if it is registered in California, you have to have at least a bare minimum of coverage. You must have at least $15,000 in bodily injury per person, $30,000 in total bodily injury, and $10,000 in property damage of liability coverage. This applies to any motorhome that can move under its own power.

What Motorhome Insurance Protects

While you have to have liability insurance, a motorhome policy can offer a wide range of other coverage, depending on your needs and the level of protection you want. Higher levels of coverage are critical if you plan on going on many or long trips. Those who use their motorhomes as their primary home generally want the most coverage. If you use your motorhome less often, higher levels of coverage may be less appealing to you, but what is right will depend on your overall circumstances and personal desires.

Some coverage types you might want to have include:

• Collision coverage for any damage that comes to your vehicle from accidents with objects or other vehicles
• Comprehensive coverage for non-collision related damages like natural disasters, vandalism, or other issues beyond your control
• Bodily damage and property damage liability cover a range of expenses like medical bills, property expenses for someone else’s medical bills, or property damage.

Take on New Journeys Stress-Free

Motorhome insurance is important for Folsom, CA, residents, which is why T.D. McNeil Insurance Service wants to offer the level of coverage that each person wants or needs for their unique circumstances. Request a quote, and we can help you start new journeys protected by quality insurance policies matched to your needs.

Here at T.D. McNeil Insurance Services, we’re proud to offer an array of outstanding insurance policies to meet the needs of all our Folson, CA clients, including comprehensive motorhome insurance. Comprehensive motorhome insurance is a complex type of insurance policy that will safeguard your home and property in a number of protected perils.

The following is a quick look at what you can expect from your Folsom, CA motorhome insurance policy as well as the answer to the question of whether motorhome insurance will protect against fire damage:

Does Motorhome Insurance Include Protection Against Fire Damage?

So long as you have comprehensive motorhome insurance, yes, your policy will include reimbursements for damages caused by fire up to your policy limits. Furthermore, your insurance provider will likely cover damages to property within your motorhome at the time of the incident as well as damages to its physical structure. Many insurance policies will also offer clauses that will cover food and lodging for the period in which you are unable to occupy your home as you wait for repairs, search for a replacement, or make your way to your home property. 

Other Types of Protection Coverage

Comprehensive insurance also covers other types of perils, including:

• Theft and vandalism
• Weather-related damages, such as from hail, lighting, or windstorm
• Earthquake damage
• Damage caused by falling objects
• Towing and labor costs in the event of a breakdown

Learn More About Motorhome Insurance With T.D. McNeil Insurance Services

Your motorhome is a very important asset, and as such, you want to ensure that it is properly protected with a comprehensive motorhome insurance policy. That’s exactly what our team at T.D. McNeil Insurance Services can help with! Contact our team today to get your personalized quote. 

T.D. McNeil Insurance Services has been serving Folsom, CA residents with all their insurance needs, including coverage for motorhomes. If you’re new to motorhomes or have never done any prep work on a motorhome before, it’s important to start by doing some research and learning about what types of things are typically required to prepare a motorhome for the upcoming season.

This will allow you to identify anything that might be missing or require replacement before the temperatures drop too low.  

How to prepare your motorhome for the winter

Some common items that need to be checked include the RV’s battery, the tires, and all systems and equipment. Checking these items will help ensure that they’re in working order before you take your RV out on any long trips or face any potentially hazardous driving conditions.

If your RV is equipped with a generator, now is also a good time to get it serviced if needed. As you prepare for winter, be sure to keep safety in mind as well – taking steps to prevent carbon monoxide poisoning should always be one of your top priorities when parking an RV outdoors during colder months.

When preparing your motorhome for winter, it’s also important to consider what types of items you’ll need to bring with you on any trips or overnight stays during the season. Items like warm weather clothing, extra blankets, and even a portable heater can help keep you comfortable when temperatures drop.

By taking the time to properly prepare your motorhome for winter, you can ensure that it remains in top condition throughout the cold months and that you’ll be able to enjoy plenty of safe, fun trips during this season.

Get Motorhome Insurance Today

With these tips in mind, you can prepare your RV for winter today! For the best protection for your motorhome, make sure to get or update your insurance coverage. Get in touch with our insurance experts at T.D. McNeil Insurance Services. We serve the Folsom, CA area