An upgraded motorhome may require upgrades to your RV insurance policy. Use the following tips to help you hone in on the insurance coverage types that you will be adding to your personal insurance plan.

Considering the Floor Plan

A motorhome is a self-contained RV. The floor plan dictates the living space provided and influences the amount of cargo or furnishings that can fit within the RV.

If the recent upgrades will allow you to sleep in the RV, or use it for dining and other purposes, you may want to beef up your insurance policy.

Take a look at all the additions to the driving and living space that your RV provides. Then, decide which materials and personal items you would like to add to your insurance policy.

Accounting for Safety Additions

Safety features make your motorhome more secure when it is occupied or unattended. Review the list below. If you have added any of these items to your RV, your modified insurance policy should reflect them.

• Smoke detector
• Fire extinguisher
• Surge protector
• Leak detector
• Surveillance equipment
• Locking system

Listing Loose Items

Take an inventory of the loose items in your RV. New furniture, window treatments, floor coverings, and decor should be added to the inventory. If any of these items are expensive, it is a good idea to list them on your modified RV insurance policy.

Adding Additional Items

Some motorhome upgrades may have required you to invest in new building materials and electrical components. Keep track of your expenses, and add valuable materials to your insurance policy.

Consulting an Agent

Meet with one of our Love Insurance Services agents for further assistance. An agent who represents the Niceville, FL region will update your motorhome insurance policy right away.