Motor Home

Thum Insurance has specialized in Recreational Vehicle insurance for over 26 years; we have insured RV’s owned by clients across the United States. We can insure a variety of exposures from recreational use, full timers, to weekenders. It is important to disclose the exposure of your RV, so if you have a loss you will be protected. Thum will work with you to design a policy to meet your specific needs.

Product Features:

  • Coverage available for all motor home values*
  • Up to $1 million limits for Bodily Injury/Property Damage and Uninsured/Underinsured Motorist
  • Comprehensive and Collision coverage with deductible options from $250 to $5,000
  • Full-Timer coverage available for owners living in their coaches
  • Business use, or merely titled in a business name
  • Total loss replacement cost coverage for newer coaches
  • Purchase price and/or agreed value offered on many other coaches
  • Mexico physical damage coverage
  • Diminishing deductible option
  • Scheduled valuable personal property protection available
  • Adjacent structure coverage up to $2,000 available
  • Golf cart / Moped coverage up to $10,000 available
  • Replacement cost coverage for personal effects
  • Vacation liability coverage
  • Emergency vacation expense
  • Unlimited towing reimbursement coverage available
  • Extended utility trailer coverage
  • Windshield glass coverage


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*Coverages and product availability vary by state and use of the motor home. Please contact a Thum Insurance Agency sales agent for coverage details.
*Currently we do not have a carrier that provides motor home coverage in the following state: Hawaii