Motor Homes
Auto insurance won’t cover your Motor Home properly. You should have a specialty Motor Home policy that provides for:
- Total Loss Replacement, which replaces your RV with a new model of similar make and quality if yours is totaled
- Replacement cost of personal property: new for old for the items stolen, damaged or lost from your RV
- Road side assistance
- Adequate bodily injury limits: make sure your bodily injury limits are high enough to protect your assets. You may want to raise your deductible to make up for the additional premium needed to increase the bodily injury limits.
Motorcycles
Many motorcycle riders think they don’t need high liability limits because they don’t feel they're likely to really injury another party seriously. Not true: you can cause or be involved in an accident that seriously injures a passenger on your bike, and your assets are at risk if you don’t
have proper liability limits.
Make sure you have proper Uninsured Motorists coverage. If you are hit by a vehicles and sustain serious injuries, be sure you have high uninsured motorist limits to protect you in case the party that injures you has no insurance or low limits of liability. Your exposure to injury is much greater than a passenger of a car.
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Recreational Vehicles/RVS 
