Luxury RVs and motor coaches provide a first-class experience for outdoor adventures and must-see vacation destinations. And while motor coaches are some of the strongest, safest, and most durable vehicles you can buy, it’s important to have specific insurance coverage to protect your investment and financial wellbeing.

Luxury motor coaches require specialized attention when it comes to insurance coverage. At Doeren Mayhew Insurance Group, our team is experienced in a wide variety of high-end, custom vehicles — and the policies that protect them. We work with each of our clients individually to deliver customized insurance solutions based on their unique needs and circumstances.

Learn more about luxury motor coach insurance policies, and how our specialty insurance coverage options can provide protection to you and your family for any unforeseen events.

What are Luxury Motor Coaches?

Luxury motor coaches are a type of recreational vehicle that combine a traditional outdoor motorhome camping experience with premium amenities. These high-end vehicles combine exquisite craftsmanship, exceptional design, custom components, and unique features.

What is Luxury Motor Coach Insurance?

Luxury motor coach insurance (or RV insurance) is a type of insurance coverage that functions similarly to a standard auto insurance policy, offering protection in the event of injury or property damage.

Like any other type of vehicle, luxury RVs present a wide variety of exposures. Due to their size and value, luxury motor coaches often require specialty insurance policies only offered by certain insurance carriers. Protecting these high-value investments requires the experience and knowledge of a trusted insurance advisor due to their unique attributes.

Determining the right amount and type of coverage depends on a number of factors, including:

  • Size and class of vehicle
  • Age, condition, and custom features
  • How you plan to use it and how often
  • Where and how it’s stored
  • Driving record
  • State requirements
  • Asset and liability protection needs

What Does Luxury Motor Coach Insurance Cover?

Standard coverage on a Luxury Motor Coach or RV Insurance Policy is very similar to that of a personal or commercial auto policy. Here are some of the following coverages that should be considered when you are looking to purchase a policy:

  • Comprehensive Coverage: Comprehensive coverage provides protection for damage to your luxury motor coach resulting from non-collision incidents, such as fire, theft, vandalism, falling objects, or natural disasters. This coverage is essential for protecting your investment in a luxury motor coach. Optionally, you can also include Full Glass Coverage, which covers any damage or replacements needed for your windshield or other windows of the vehicle.
  • Collision Coverage: Collision coverage covers the cost of repairs or replacement if your luxury motor coach is damaged in a collision with another vehicle or object. It is particularly important to have this coverage due to the high repair and replacement costs associated with luxury motor coaches.
  • Bodily Injury & Property Damage Liability Coverage: Liability coverage is a crucial component of any motor vehicle insurance policy. It provides protection if you are responsible for causing bodily injury or property damage to others in an accident. Since accidents involving RVs have the potential to cause significant damage, adequate liability coverage is essential.
  • Uninsured/Underinsured Motorist Coverage: This coverage offers protection if you are involved in an accident caused by a driver who has no insurance or inadequate insurance coverage. It ensures that you are financially protected even if the other party cannot cover the damages.
  • Personal Property Coverage: Luxury motor coaches often contain high-value personal belongings, including electronics, appliances, and valuable items. Personal property coverage will provide compensation for losses or damage to these items while they are inside the motor coach.
  • Roadside Assistance Coverage: Like any other vehicle, luxury motor coaches may experience mechanical issues or breakdowns while on the road. Roadside assistance coverage pays for services like towing, battery jump-starts, flat tire changes, fuel delivery, and lockout assistance to ensure you are not left stranded.

What RV Insurance Add-Ons are Available?

Standard RV insurance might not cover additional costs associated with custom features of your luxury motor coach. If your vehicle was designed with made-to-order hallmarks or your vehicle serves as your home more than half the time, it’s worth considering some of the most common insurance add-ons:

  • Rental Reimbursement: Rental reimbursement coverage is designed to cover the cost of renting a temporary replacement motor coach in the event your RV is being repaired due to a covered loss. This coverage helps ensure that you can continue your travels or living arrangements without interruption while your motor coach is in the shop.
  • Total Loss Replacement: Total loss replacement coverage provides protection in the event of a total loss of your luxury motor coach. If your RV is deemed a total loss, due to an accident or other covered event, this coverage will reimburse you for the cost of replacing your motor coach with a brand-new equivalent model, rather than receiving only the depreciated value of the vehicle.
  • Emergency Expenses: Emergency expenses coverage is designed to provide financial assistance in case of emergencies while traveling in your luxury motor coach. It typically covers expenses such as lodging and transportation if your motor coach becomes uninhabitable due to a covered loss, such as a collision or fire. This coverage ensures that you have the means to secure temporary accommodations during a difficult situation.
  • Pet Injury: Pet injury coverage is a unique coverage option that covers the cost of necessary veterinary expenses for your pet if they are injured during a covered accident while traveling in your luxury motor coach or RV.
  • Full-Timer Coverage: For those who use their luxury motor coach as their primary residence, full-timer coverage is crucial. It offers similar protections to homeowner’s insurance, covering personal liability, personal property, and other additional coverage benefits for those living full-time in their luxury motor coach or RV.
  • Vacation Liability Coverage: Vacation liability coverage provides liability protection when you use your luxury motor coach as a temporary residence. This coverage will pay for injuries or damage caused to others or their property during a trip or vacation.

It’s important to note that the availability and specifics of these coverages may vary depending on the insurance provider and the policy you choose. When considering luxury motor coach insurance, it’s recommended to review the policy details and discuss these specific coverages with your insurance agent or provider to ensure you have the appropriate coverage for your needs and preferences.

How We Can Help

At Doeren Mayhew Insurance Group, we understand the complexities of securing luxury motor coach insurance and have access to the insurance carriers that offer this specialty coverage for these and many other high-value assets. Request a consultation with one of our trusted insurance advisors to discuss your unique coverage needs.

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