Category: Motor Home Insurance

Total Loss Versus Repairable Damage: What It Means for Your Policy

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If your motorhome is damaged in an accident or severe weather, one of the first things your insurance company will determine is whether the damage is repairable or a total loss. Knowing the difference between the two and how it affects your coverage can help you prepare for what comes next. Serving Flatwoods, KY, Roark Insurance Agency offers the coverage you need to protect your investment.

What Is a Total Loss?

A motorhome is typically declared a total loss when the cost to repair it exceeds its current market value, known as the actual cash value (ACV). This takes into account depreciation, mileage, age, and overall condition. If your RV is totaled, your insurance company will usually pay the ACV, minus your deductible. Some policies offer agreed value or replacement cost coverage, which can provide a higher payout, depending on your plan.

What Counts as Repairable Damage?

If the cost of repairs is less than your RV’s value, the vehicle is considered repairable. Your insurance will cover the repair costs (after your deductible) to restore your motorhome to its pre-accident condition. You can often choose your own Flatwoods, KY, repair shop or use one approved by your insurance provider.

Why It Matters for Motorhome Owners

Because motorhomes can be both vehicles and living spaces, damages can be complex, impacting both the structure and the mechanical components. Having the right coverage ensures that you’re not left with unexpected expenses.

Contact Us

If you want to make sure your motorhome insurance provides the right protection for every situation, contact Roark Insurance Agency. We’ll help you understand your coverage, so you can travel with confidence knowing your investment is protected.

Important Riders for Motorhome Insurance

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The most basic type of motorhome insurance covers various types of liability, collisions, uninsured and underinsured motorists, comprehensive issues, and medical payments. At Roark Insurance Agency, we can help Flatwoods, KY residents find riders to improve their policies.

Roadside Assistance

If you’re on vacation, there’s nothing worse than your motorhome breaking down. However, a roadside assistance rider will ensure your vehicle stays on the road. You’ll get 24/7 emergency support, help changing a tire, and even gas delivery if you run out unexpectedly.

Towing and Labor

When your RV breaks down for any reason, towing and labor coverage can help get the vehicle off the road and to a shop. This coverage often helps pay for some repairs and trip interruption expenses, such as lodging, transportation, and meals, as it gets fixed.

Replacement Cost

What happens when your motorhome gets totaled and can’t be fixed? If you add this rider to your policy, you’ll get either money back to replace the motorhome (its current value, not what you paid) or a new vehicle to replace it. This helps mitigate many heavy expenses for people who live in their motorhomes and need them replaced.

Personal Effects

People who live full-time in their motorhomes or who simply enjoy them heavily need personal effect coverage to pay for items in the vehicle. These may include things like televisions, beds, and even memorabilia. This coverage keeps them fully protected.

Let Us Help You!

At Roark Insurance Agency, we’ll find motorhome insurance that makes sense for Flatwoods, KY residents. With our help, it should be easier for you to identify a strong policy that protects your RV and motorhome from serious damage.

Types of Motorhome Coverage

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A motorhome is a combination of a home and a vehicle. The insurance that you need for one is a little different from regular auto insurance. However, it also has many similarities. A lot of the coverage types are similar to the types of coverage in auto insurance. It’s important to have several types of coverage in your motorhome policy to keep you protected against a wide range of risks. To get started with your policy, call us at Roark Insurance Agency in Flatwoods, KY. 

Vehicle Insurance

Because your motorhome is part vehicle, it needs to be insured against accidents. Your motorhome policy should have at least liability coverage so that an accident can be paid for by the policy. When you have bodily injury liability coverage, your policy can pay for the medical bills that another party has after they’ve been injured in an accident. You should also have property damage liability in your policy. This pays for another party’s property damage after you’ve been involved in a wreck with them.

Both of these coverage types are mandatory to have for your motorhome. They’re also good for your peace of mind. With this coverage, you are less likely to be sued after an accident because the other party can get the amount they need from your insurance company. 

Comprehensive and Collision Coverage

Getting your policy should also include getting both collision coverage and comprehensive coverage. Comprehensive covers your motorhome when you aren’t driving it. Much of the time, the motorhome will be off the roads, and a lot can happen to it there. You also need a way to cover your own property damage after a wreck. This protection is available as collision coverage. You’ve invested a lot in your motorhome, so be sure to have this coverage. 

Get Motorhome Insurance

When you need motorhome insurance, you can call us at Roark Insurance Agency in Flatwoods, KY.

   

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