Escanaba, MI, motorhome owners typically hit the road during summer, and Luft Insurance Agency wants them to drive safely. That means carrying the correct RV insurance with them on their road trip. When you update or upgrade your motorhome, you need to update your insurance to match it.

What Warrants an Insurance Review?

When RV owners upgrade mechanical items, renovate their motorhomes, or add high-value items like solar panels, they need a policy review. By improving the RV, they increase its value, and the policy needs to reflect this updated value.

Mechanical updates include a new or more robust engine, adding safety features, or installing a solar panel system. Renovating an RV refers to putting in new flooring, wallpapering, or updating the kitchen or bathroom with new appliances and fixtures.

How RV Insurance Works

When you purchase your RV policy, you either state the value of your RV, substantiated by your purchase paperwork, or an appraisal determines its value. That’s the value that the insurance company uses if you’re in an accident that damages or totals your RV. When you upgrade your motorhome, you must undergo an insurance review and upgrade your insurance. That upgrade involves updating the value of the RV in your policy, so if you’re involved in an accident, your collision coverage pays for the full value of your motorhome.

When you buy your policy, the valuation also applies to your comprehensive coverage. If a vandal or hurricane damages your RV, for example, your comprehensive coverage pays for the repairs or replacement based on the valuation in the policy.

Contact Us Today

Ensure that your RV policy adequately covers all the improvements you made to your motorhome. Contact Luft Insurance Agency to update your insurance before you leave your Escanaba, MI, driveway on your next road trip.