Recreational Vehicle Insurance

Owning a recreational vehicle (RV) comes with a lot of risk. Having an insurance policy for your RV is a great way to protect yourself from paying significant costs following an incident that involves your motorhome. 

Owning a motorhome, or recreational vehicle (RV), is a unique responsibility. Because they conveniently double as vehicles and homes, motorhomes are for fun activities like camping trips or vacations. Still, various unforeseen risks should be considered before embarking on a trip. Having motorhome insurance can help prevent high accident-related costs. 

What Is RV Insurance? 
RV insurance functions a lot like a contract. In exchange for an insurance premium, your insurer will provide you with a certain amount of funds following an incident, such as a collision, fire damage or vandalism. You will typically have to pay an out-of-pocket cost called a deductible until your insurance kicks in to assist you in covering the remaining accident-related costs. 

What Do RV Policies Cover? 
RV insurance typically includes protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry consists of the following types: 

Other coverage offers help for roadside assistance, rental car coverage and expenses protection (for expenses such as emergency hotel bills). 

There may be potential added coverage options included in some policies; reach out to our agency to find out more. 

What Does Motorhome Insurance Include? 
Motorhome insurance commonly includes protection matching the driving and property risks associated with your vehicle. Additionally, a motorhome insurance policy could consist of: 

• Liability insurance helps by insuring you against damage or injuries you cause to others if you are at fault in a wreck. 
  
• Collision insurance helps by covering damage to your vehicle after a wreck. 
  
• Comprehensive insurance helps by paying for vehicle damage from non-accident mishaps, such as weather damage. 
  
• Medical payments coverage helps by covering your medical bills and passengers’ expenses. 
  
• Uninsured/underinsured insurance helps by insuring you against damage caused by someone else who doesn’t have appropriate liability coverage. 
  
• Campsite and vacation coverage helps by covering liabilities associated with using the RV as a vacation property. 
  
• Full-time residence insurance is intended for those permanently living in their RVs. 
  

Other coverage offers help for roadside assistance, rental car coverage and expenses protection (for expenses such as emergency hotel bills). 

Do I Need Motorhome Insurance? 
Missouri requires all motorized vehicle drivers and owners to have some type of motorized vehicle liability insurance. If your RV is a non-motorized towable, such as a pop-up camper, travel trailer, or fifth-wheel, you aren‘t required by Kansas state law to cover it with a motorhome insurance policy. The right RV insurance policy can keep you and those you share the roads with financially safe and protected. 

Reach Out 
If you live near Independence or Kansas City, Missouri, we can assist you. The agents at Auto Insurance Discounters are dedicated to helping RV owners learn more about potential coverage options.  

Contact our agency today at 866-288-6545 to learn more about policy options.