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Motor Home Insurance

Horn & Co. Insurance Services is an appointed agent with Foremost Insurance Group, part of the Farmers Insurance Group of Companies.  Foremost has developed specialized insurance programs for motor homes that provide the kind of coverage to give you real peace of mind, so you can sit back and enjoy your trip.


Bodily Injury and Property Damage Liability
This coverage pays for bodily injuries to other people or damage to their property if you are liable. Your select the monetary limits of your policy.

Uninsured and Underinsured Motorist*
This coverage pays for bodily injuries or damage to your property caused by an uninsured motorist or a hit-and-run driver, if that driver is liable. It covers you, and your passengers. Your coverage will pay up to the limits that you and you select. Your Foremost policy will also pay for bodily injuries caused by a motorist whose insurance is not adequate to pay for the injuries if that driver is liable. Like your uninsured motorist coverage, it also covers your passengers. You'll be paid up to the limit you select, less the amount paid by the other party.

*Mandatory unless rejected in writing, either in its entirety or Property Damage only

Medical Payment
The Medical Payment option pays for reasonable medical expenses arising from an accident, regardless of fault, for you, or passengers up to your policy limit.

Comprehensive
This coverage protects you from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.

Collision
All accidental damage to your RV by Collision with any object is covered with collision. It pays up to the actual cash value of your RV, less the deductible you select.

Coverage for Attached Accessories
In addition to your RV Comprehensive coverage, you will also be covered for damage to awnings, satellite dishes and TV antennas.

Emergency Expense Coverage
This option pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.

Campsite/ Vacation Liability Coverage
This option provides liability coverage when you are parked and using your motor home as a residence.

Total Loss Replacement Coverage (Optional coverage)
This coverage protects your motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five model years, and you’re the original owner, Foremost will pay to replace it with a brand new one of similar kind and quality – no matter what it costs as long as you replace the motor home. In years six through ten, Foremost will give you up to what you paid for it originally toward the purchase of another motor home. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value of your motor home at the time it’s destroyed. That’s the current value of your motor home


Replacement Cost Coverage (Optional coverage)
This coverage is for your personal belongings that are destroyed or stolen.

TraveLine® Towing and Roadside Assistance (Optional coverage)
This option eliminates the hassle of buying a separate towing plan. Available 24 hours a day, 365 days per year everywhere in the United States and Canada. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. An experienced Traveline® representative will find you the help you need, using a vast network of more than 20,000 authorized service providers and qualified repair facilities. There are no out-of-pocket payments required either. Just sign and drive. What’s more, you motor home is covered regardless of who is driving!

Full-Timer Coverage (Optional coverage)
This coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your RV as a vehicle, a Foremost full-timer policy covers you when you are parked and using your rig as a residence, too

Policy Discounts
Discounts such as Good Driver, Mature Driver, Multi-Unit, and Safety Course may be available. Ask Horn & Co. Insurance Services for more details.




Contact us for more information on Motor Home Insurance, or submit a quote request today.

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Foremost Insurance Group.