Many people live in their motorhomes, so it’s understandable they want coverage similar to what homeowners have with homeowners insurance. The main difference between the two is that homeowners’ insurance covers dwellings in one location, classified as houses, while motorhomes are covered under recreational vehicle insurance. There are a few more key differences to understand.<\/p>\n
Homeowners’ insurance will likely cover your St. Augustine, FL home in case of natural disasters, fires, theft, and other scenarios. It usually includes personal protection coverage. Many policies also cover structures on your land.<\/p>\n
Motorhome coverage works more like car insurance. Basic liability insurance will cover the other person’s vehicle and medical bills if an accident occurs. Coverage will travel with you to ensure you’re covered while on the road. Additional levels of coverage are often necessary to keep you covered in other circumstances, such as theft and natural disasters.<\/p>\n
Most states don’t require homeowners’ insurance. Mortgage companies may need it, but homeowners who don’t have a mortgage can decide whether they want it. Most people prefer to have homeowners insurance.<\/p>\n
Motorhome insurance typically falls under auto insurance laws. Florida law requires liability car insurance, meaning that motorhomes driven on the road are legally required to have insurance, too. Tim Huber Insurance agents can help you obtain motorhome coverage.<\/p>\n
There are several differences between the types of insurance, even if you use your motorhome as a home. Agents at Tim Huber Insurance can help you understand the difference to ensure you have the necessary coverage. We’re currently serving the St. Augustine, FL area. Contact us today to learn more.<\/p>\n","protected":false},"excerpt":{"rendered":"
Many people live in their motorhomes, so it’s understandable they want coverage similar to what homeowners have with homeowners insurance. The main difference between the two is that homeowners’ insurance covers dwellings in one location, classified as houses, while motorhomes are covered under recreational vehicle insurance. There are a few more key differences to understand. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[19,5,6],"class_list":["post-257","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-motorhome-insurance","tag-st-augustine-fl","tag-tim-huber-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t