Several national auto insurance companies offer insurance for motorhomes or recreational vehicles. The policies blend the components of auto insurance and homeowner's insurance, including coverage for clothing and other items stored in the motorhome, according to GoRVing.com. Motorhome insurance also provides coverage in case someone is injured at the owner's campsite, similar to the liability coverage included in most homeowner's policies.
In addition to standard RV coverage, motorhome owners who consistently live and travel in their RVs can obtain full-timer policies that provide extra liability coverage when the motorhome is parked for long periods, as Farmers Insurance explains. An RV owner who buys a new motorhome can obtain a total-loss replacement policy that provides a similar, brand-new unit for up to five years, even if the original vehicle has depreciated in value.
Because an RV is a means of travel and a place to stay, owners can find themselves stranded if their motorhomes are in accidents or if the vehicles malfunction. Some policies cover alternate lodging or travel expenses if RV owners can't drive their motorhomes or stay in them overnight, notes Farmers Insurance. RV owners can add towing and roadside assistance to their policies to cover tire changes, battery jump starts and other common roadside problems.