Many vacationers throughout the country purchase motorhomes. The convenience of having your sleeping quarters, kitchen, and freedom to travel at your own pace is too attractive for some to ignore. You are able to go anywhere, any time. You can stop whenever you choose and stay in each place as long as you like.

However, you don’t want to let your second home go unprotected. The professionals at Ransom & Associates Insurance Agency in Winder, GA can help you protect this investment.

Motorhome Insurance: What You Need To Know

Motorhomes are in the category of Class A recreational vehicles. RV is a term that covers many different types of vehicles, including motorhomes. These vehicles are large and could cause significant injuries and damage to other vehicles, property, and drivers if an accident occurs. That is why insurance protection is so necessary.

Coverage for motorhomes includes property damage, collision, bodily injury liability, comprehensive, and uninsured motorists. This coverage will help pay for repairs to your motorhome and its contents in certain situations.

There are also specialized insurance coverages that are available, such as vacation liability, custom equipment, and total loss replacement. Based on how much your motorhome is used, the annual insurance premium can range anywhere from $200 to $3000.

Because a motorhome is like a small house, you need different coverage than is needed for your car. They are not used in the same fashion as a car; therefore, you must have specialized insurance for your motorhome. For example, vacation liability provides personal liability coverage when the motorhome is parked off public roads and when it is used for recreational purposes only. It does not overlap with any automobile liability coverage.

Get Motorhome Insurance Today

Remember to purchase motorhome insurance to make sure your second home is protected. Contact the professionals at Ransom & Associates Insurance Agency in Winder, GA today for the peace of mind you need.

Winter is the perfect time to settle into your home in Winder GA and enjoy time with the family. When you don’t plan on taking any trips, Ransom & Associates Insurance Agency suggests that you winterize your motorhome to keep it in running condition.

Empty the Water from Tanks and Lines

Leftover water in the plumbing can freeze, and it can allow bacteria to grow and create gross smells in the black and gray water tanks. Emptying the tanks and giving them a cleaning flush will reduce smells and limit the impact of any freezing inside of the tanks. Make sure to give the water in the water heater time to cool beforehand. Drain the lines afterward.

Take Out the Inline Water Filters

Winterization can damage these filters, so take them out before continuing with the next step.

Pump the System with Antifreeze

Start by bypassing the water heater, which may be a simple process on RVs with a bypass already installed. Otherwise, you’ll need to look up the steps. Pump the RV antifreeze into the system, then open the faucets in the RV. Start with the ones nearest the pump, opening the hot side first until antifreeze flows. Flush the toilets next so they fill with the antifreeze. Lastly, dump a cup of antifreeze down each drain, turn off the pump, and close the system.

Keep Your Insurance Active

Even when in cold storage, your RV is a valuable asset that needs protection. At Ransom & Associates Insurance Agency serving Winder, GA and surrounding Barrow County, we recommend contacting your agent or provider and seeing if winterization is factored into your policy or if there are lay-up coverage options that cut your costs but keep the protection that you need like fire and theft.