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Taking your motorhome on vacation is an exciting way to explore the country, enjoying the freedom of traveling with your home on wheels. However, it’s crucial to ensure you have the proper insurance coverage, especially if you plan to cross state lines.
Nationwide Coverage
Most motorhome insurance policies offer nationwide coverage, meaning your insurance will travel with you wherever you go, even across state borders. Many policies in Centennial, CO, automatically adjust to meet state minimum requirements if they differ from your home state. For example, no-fault states often require Personal Injury Protection (PIP), which may not be included in your home state’s policy. Nationwide policies can adjust to include PIP or higher bodily injury limits, ensuring you meet state standards and avoid penalties like license suspension.
Additional Coverage
Motorhome owners with additional coverage can typically enjoy the same protection outside of their home state. Collision and comprehensive coverage, as well as add-ons like roadside assistance, remain active when you have a national policy. These levels of coverage provide peace of mind as you travel across the country.
Policy Variations
It’s important to note that not all insurance companies offer the same level of flexibility. While many adjust coverage to ensure your motorhome insurance works nationwide, some do not. For instance, certain policies may not automatically include PIP when traveling to a new state. To avoid surprises, speak with an agent at Atrium Insurance Group to understand the specifics of your policy.
Professional representatives at Atrium Insurance Group can help you determine whether you have a national policy, identify exclusions to be aware of while traveling, and more. Contact us today to learn more. We’re currently serving the Centennial, CO, area.