Recreational Vehicle Insurance

Recreational vehicles (RVs) have multiple purposes. Not only do RVs transport you wherever you want to go—they’re your living quarters and storage for your belongings. RV insurance provides the essential protection you need for driving and property risks that you may encounter on your journey. When you buy RV insurance, you can choose from numerous coverages, including liability, collision, comprehensive, uninsured/underinsured motorist and even RV towing insurance.

What Kind of RV Insurance Should You Have?

Your particular needs will determine the type of RV insurance you should have. Some types of coverage you may want to include are:

·       Collision insurance—Can help cover costs related to repairing damage to your RV or replacing your RV after an accident.

·       Comprehensive insurance—May pay for vehicle damage from non-accident mishaps, such as weather damage.

·       Campsite and vacation coverage— This may protect you if someone else is injured or their property is damaged when you’re using your RV on vacation or at a campsite

·       Full-time residence insurance—If you permanently live in your RV, this is coverage you may want to add.

·       Liability insurance—This can insure you against damage you cause to others if you are at fault in an accident.

o   Bodily injury liability coverage can pay for their medical bills (and, in some cases, deaths).

o   Property damage liability can pay for damage to the other driver’s property, such as their vehicle.

·       Medical coverage—May pay for your medical bills and those of your passengers.

·       Uninsured/underinsured insurance—Can cover you against damage caused by someone else who doesn’t have appropriate liability coverage.

Other RV Coverage Choices

Other types of insurance may be helpful for you on the road, including rental car coverage. In addition, if your RV has custom equipment such as quality sound or entertainment systems, you can get additional coverage for an extra premium. If you plan to use your RV as a temporary vacation home, these are other coverages you may want to add:

·       Emergency expenses—This offers coverage for temporary living expenses or travel expenses if your RV becomes disabled due to a covered event.

·       Equipment and attached accessories—This coverage may protect additional equipment like satellite dishes or awnings attached to your RV.

·       Personal belongings—This can protect the personal property you keep in your RV.

·       Towing and roadside—This may help pay for towing services or roadside assistance.

How We Can Help

Wherever your journey takes you, we can ensure you have the protection you need. The cost of your RV insurance policy depends on various factors, including the type of RV, the amount of use and your driving experience. Insurance Partners of Kansas can help you get your personalized RV coverage. Call us at 316-686-6666 to get started on your RV policy.