Motor Home Insurance in New Jersey
Buying a motorhome is a significant investment that an insurance policy can protect if something goes wrong while traveling on highways and camping in remote spots throughout New Jersey. You need to get sound advice from a representative at Dirus & Sons in Neptune, NJ. We can offer help with how to decide what type of coverages you will need to protect your motorhome and other assets adequately.
In New Jersey, you are required to have a policy that fulfills the minimum insurance requirements all motorized vehicles need to be driven legally on roads. The minimum requirements only cover the cost of injuries and property damages that have occurred in an accident up to a certain dollar amount. The problem for most motorhome owners in New Jersey is that the minimum amount of coverage might cover minor accidents and injuries but not major catastrophic ones. This can be where people are seriously injured with a lot of property damage. In cases of severe accidents, you will need higher coverage amounts than required to cover all the costs of injuries and damages.
You will also need to look at coverages that are not part of the minimum requirements. This makes sure you are fully protected while on New Jersey roadways and elsewhere. Collision and comprehensive insurance help to cover damages to your motorhome in case of:
- Natural disasters
- Other calamities
Determining how much insurance you need to cover your investment in the motorhome and protect other assets in case of an accident or mishap, takes a thorough review of your particular financial situation. If you live in New Jersey, the best way to get the information you need to make the right decisions on a motorhome policy is by calling Dirus & Sons in Neptune, NJ. We have trained and experienced representatives who will go over all your options to make sure you are fully protected. Contact our office to get a quote.