1BryNelson wrote:
As a 25 yr insurance agent I can tell you would need an additional policy (or an amendment to current policy IF available). Those policies would probably have a high deductible and in the event of total loss would probably only cover actual cash value (read extreme depreciation) not replacement cost of the unit. I wouldn't do it myself.
I just was on a local website here in Utah and they said you could cancel your own Insurance on your Motor Home because their blanket policy covers you. See below-
2.) What about insurance? When you enroll your coach in our program, we must add it to our master insurance policy. You can drop your current insurance because our policy covers you, your coach, the renter and us. We keep a copy of the master policy on hand at all times and welcome our coach owners to go over it or speak with our insurance company to answer any questions they might have. As a rule, our cover age is considerably better than an individual policy. The renter is responsible for the deductible. The cost of the insurance depends on the value of the coach and whether it's a motor home or a towable. The rates are slightly higher than an individual policy but the broader coverage is essential. Your individual policy won't cover you or the coach if the unit is for hire. The insurance premiums are deducted from your rental income each month and it's clearly spelled out on the Owners Statement.
