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Far more than just a camper on wheels, today’s luxury motor coaches provide an elegant environment for relaxation and travel with the amenities found in a high-end hotel or a home featured in Architectural Digest. Beautifully appointed, these multi-million dollar vehicles include everything from one-button controls that close the blinds, lower a flat screen television and dim the lights to retractable bunks with charging stations and storage for electronics so the kids can play video games in bed, and every convenience you can imagine in between.

But what about insuring these high-end rides? It’s more complicated than you might expect.

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