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December 28, 2022
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What Does RV Insurance Cover?

Recreational vehicle (RV) insurance is essential for motorhome owners. Whether you’re camping, driving or parked, accidents can happen. Recovery from RV accidents can be expensive, so it’s important to know what is covered under a typical policy.

What Does RV Insurance Cover?

RV insurance varies among policyholders. However, some common coverage options included in standard RV insurance may consist of the following:

  • Liability insurance helps insure against damage or injuries you cause to others if you are at fault in a wreck.
  • Collision insurance helps cover damage to your vehicle after a wreck.
  • Comprehensive insurance helps pay for vehicle damage from non-accident mishaps, such as weather damage.
  • Medical payments coverage helps cover your medical bills and passengers’ expenses.
  • Uninsured/underinsured insurance helps insure you against damage caused by someone else who doesn’t have adequate liability coverage.
  • Uninsured/underinsured insurance helps insure you against damage caused by someone else who doesn’t have adequate liability coverage.
  • Full-time residence insurance is intended for those permanently living in their RVs. It can provide coverage for personal belongings.

 

Additional options may include roadside assistance, rental car coverage and expense protection. Contact Cloverleaf Insurance to learn about how to customize your RV insurance policy.

Is RV Insurance Required?

Missouri requires all drivers to carry uninsured motorist and liability coverage. However, it’s important to carry more than the minimum requirements. If an accident occurs that isn’t covered under your insurance, you may have a difficult time covering accident-related expenses out of pocket.

Learn More

If you live near St. Peters, Missouri, and want to learn more about RV coverage options, the experienced agents at Cloverleaf Insurance can help.

Call us today at 800-530-5822 for more information.

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

 

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