Motor Home

A motor home can be a van that is converted to a motor home - class B. It can have a kitchen and a sleeping area.

A motor home can be a unit that has a separate serial number for engine and chassis or it can be all one unit with one serial number. This is a very popular recreational vehicle and can be from a very small unit to the size of a small house.

A class A motor home can be the size of a bus. it is spacious, can tow a small vehicle and sleep six people or more. These units are usually the more expensive of the classes.

A class C motor home is distinctive as a cab-over type of unit. It also is spacious but is built on a customized cut-away van chassis.

A motor home can be part of your existing automobile policy. Some insurers will allow a seasonal layup credit and some will not. You also can put your motor home on a stand alone policy that can have lower deductibles and reduced premium. These policies rarely allow a winter layup credit - the premium is charged for the full term.

Some motor homes are used as living quarters. If this is your situation then you need to discuss the limitations on contents and additional living expense with your broker or agent.