{"id":4168,"date":"2021-07-07T14:33:19","date_gmt":"2021-07-07T21:33:19","guid":{"rendered":"https:\/\/www.vernfonk.com\/blog\/?p=4168"},"modified":"2021-07-07T14:33:21","modified_gmt":"2021-07-07T21:33:21","slug":"washington-motorhome-insurance","status":"publish","type":"post","link":"https:\/\/www.vernfonk.com\/blog\/motorhome-insurance\/washington-motorhome-insurance\/","title":{"rendered":"4 Signs You Need Motorhome Insurance in Washington"},"content":{"rendered":"\n<p>You\u2019re probably excited to hit the road to explore the Cascades or Palouse Falls. But before you do, sorting out your <a href=\"https:\/\/www.vernfonk.com\/auto-insurance\/\">car insurance<\/a> situation is definitely a must. Otherwise, you could be in big trouble.<\/p>\n\n\n\n<p>Let\u2019s take a look at what Washington motorhome insurance entails and the signs that you may need to sign up for coverage ASAP.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What to Know About Motorhome Insurance in Washington State<\/h2>\n\n\n\n<p>First things first \u2014 just what is motorhome insurance, and how is it different than regular car insurance?<\/p>\n\n\n\n<p>RVs are much bigger than cars, and they\u2019re often far more complicated. They\u2019re not just a means of getting from place to place \u2014 they\u2019re also a second home. Because of that, <a href=\"https:\/\/www.vernfonk.com\/motorhome-insurance\/\">motorhome insurance<\/a> tends to be a bit more comprehensive than regular insurance. It covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Repairs or the replacement value for your motorhome if it\u2019s damaged<\/li><li>Your personal belongings if they\u2019re damaged, destroyed, or stolen<\/li><li>Any injuries that may happen to others while they\u2019re in your RV<\/li><li>Living expenses if you can\u2019t live in your RV because of a claim<\/li><\/ul>\n\n\n\n<p>In Washington, you\u2019ll need to meet the minimum coverage limits to be legal. These include:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>$25,000 bodily injury liability per person<\/li><li>$50,000 total bodily injury liability per incident<\/li><li>$10,000 property damage liability per incident<\/li><\/ul>\n\n\n\n<p>These are just the minimums; you may want additional coverage, especially if you have a big motorhome. After all, bigger vehicles can cause bigger damage.<\/p>\n\n\n\n<p>That\u2019s part of the reason why insurers make you get a separate motorhome insurance policy instead of just putting your RV on your <a href=\"https:\/\/www.vernfonk.com\/blog\/car-insurance\/car-insurance-washington\/\">Washington auto insurance<\/a>. RVs pose more of a risk on the road and therefore require more coverage in case something happens.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do You Need Motorhome Insurance in Washington? A Checklist<\/h2>\n\n\n\n<p>So, now that you know a bit more about what motorhome insurance in Washington entails, you may wonder if you need it. Here are four signs that investing in a motorhome insurance policy is a good idea.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. You Own a Motorhome and Live in Washington<\/h3>\n\n\n\n<p>You don\u2019t need Washington RV insurance if you\u2019re just passing through. Even if you\u2019re on an extended trip (say, for a whole summer), as long as your legal residence is elsewhere, you don\u2019t need Washington insurance.<\/p>\n\n\n\n<p>However, you still <a href=\"https:\/\/www.dol.wa.gov\/driverslicense\/insurance.html\" target=\"_blank\" rel=\"noopener\">need insurance from your state of residence<\/a>. If you\u2019re pulled over and can\u2019t provide proof of this insurance, you\u2019ll be in trouble and may face a fine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Your Motorhome Has Its Own Motor<\/h3>\n\n\n\n<p>Motorhome insurance is for RVs with an engine that can drive on the road by themselves. It should be covered under your regular auto insurance for liability purposes. But, if you just have a tow RV or popup that you tow behind you, this typically won\u2019t require a separate insurance plan.<\/p>\n\n\n\n<p>Just check to make sure trailers are listed on your policy. If not, you\u2019ll probably want to see about adding that on rather than taking out a new policy.<\/p>\n\n\n\n<p>Keep in mind, auto insurance probably only offers liability coverage for motorhomes. If you want your tow-along motorhome to have fully comprehensive collision and additional coverages, you\u2019ll probably need to buy a separate motorhome insurance policy.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/07\/rv-insurance-in-wa-state.jpg\" alt=\"female driver at the wheel of a rv on a road\" class=\"wp-image-4169\" srcset=\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/07\/rv-insurance-in-wa-state.jpg 1000w, https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/07\/rv-insurance-in-wa-state-300x200.jpg 300w, https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/07\/rv-insurance-in-wa-state-768x512.jpg 768w, https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/07\/rv-insurance-in-wa-state-800x534.jpg 800w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">3. You\u2019ll Be Using Your Motorhome for Travel<\/h3>\n\n\n\n<p>One key consideration for motorhome insurance in Washington is whether or not your RV will be road-bound. Where you store your RV plays a role in the type of insurance you need.<\/p>\n\n\n\n<p>If you keep your motorhome on your property or at a storage unit, then you may not need motorhome insurance. That\u2019s because your <a href=\"https:\/\/www.vernfonk.com\/homeowners-insurance\/\">homeowners insurance<\/a> will cover any damages or expenses associated with the vehicle. This includes damage to the RV, injuries someone suffers in the RV, or contents in the RV.<\/p>\n\n\n\n<p>Just keep in mind, for this to work, you\u2019ll need to have included your RV on your homeowners\u2019 contents list. If you forget to mention it, then your insurance company may deny your claim. Also, not every homeowners\u2019 insurance provider offers RV coverage, so check with your company.<\/p>\n\n\n\n<p>But what if you park your RV at a campground \u2014 say a relaxing spot near Snoqualmie Pass \u2014 and leave it there? In this case, the motorhome becomes a rental home, meaning it does not qualify for your homeowners\u2019 insurance. This is where motorhome insurance can step in to provide protection against mishaps.<\/p>\n\n\n\n<p>The same goes for any time your motorhome is on the road. As soon as you pull out of your driveway, the RV switches from a piece of property to a vehicle. This means you\u2019ll need specific motorhome insurance to stay legal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. You Don\u2019t Have an Alternate Form of Insurance<\/h3>\n\n\n\n<p>Getting Washington motorhome insurance isn\u2019t just recommended: it\u2019s the law. If your vehicle is registered in Washington state, you\u2019ll need to have insurance, or you\u2019ll pay a $550 or more fine.<\/p>\n\n\n\n<p>Technically, there are a few ways around this. You can self-insure yourself if you have 26 or more vehicles, but this isn\u2019t a typical situation. It\u2019s also possible to apply for a certificate of deposit of at least $60,000. It\u2019s basically money you put on hold in case you\u2019re in an accident. Finally, you can get a liability bond for at least $60,000.<\/p>\n\n\n\n<p>Rather than deal with all of these complicated methods, it\u2019s probably best to obtain Washington motorhome insurance. That way, you\u2019ll be covered no matter what happens on the road.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get Motorhome Insurance in Washington Today<\/h2>\n\n\n\n<p>Don\u2019t head out on your next big road trip without any insurance! Having it can keep you legal and give you peace of mind if something happens.<\/p>\n\n\n\n<p>It\u2019s easy to get a free quote for your motorhome insurance from Vern Fonk. <a href=\"https:\/\/www.vernfonk.com\/motorhome-insurance-quote\/\">Start your quote online<\/a> or call us at <a href=\"tel:1-800-455-8276\">1-800-455-8276<\/a> now to talk with one of our agents.<\/p>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"https:\/\/www.vernfonk.com\/motorhome-insurance-quote\/\">Get a Quote<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"tel:1-800-455-8276\">Call Us<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"https:\/\/www.vernfonk.com\/locations\">Find Your Office<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re probably excited to hit the road to explore the Cascades or Palouse Falls. But before you do, sorting out your car insurance situation is definitely a must. Otherwise, you could be in big trouble. Let\u2019s take a look at what Washington motorhome insurance entails and the signs that you may need to sign up [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":4170,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[47],"tags":[],"class_list":["post-4168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-motorhome-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts\/4168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/comments?post=4168"}],"version-history":[{"count":2,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts\/4168\/revisions"}],"predecessor-version":[{"id":4172,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts\/4168\/revisions\/4172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/media\/4170"}],"wp:attachment":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/media?parent=4168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/categories?post=4168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/tags?post=4168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}