RV Insurance in Kansas

Experts break down recreational vehicle insurance costs, coverages, companies, and more in Kansas.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Family trip in RV in forest or park in Kansas. Find Kansas RV Insurance.

Many people in Kansas enjoy traveling and camping in recreational vehicles. In fact, residents of the Sunflower State spend more than $40 million a year on RV sales and service. If you own a camper or motor home, you can protect your investment and your finances by having a good RV insurance policy.

Local independent agents are free to work with some of the best RV insurance companies in Kansas to help you find a great policy at a competitive price. Find an independent insurance agent near you to start comparing customized quotes.

How Much Does RV Insurance Cost in Kansas?

Because RVs serve a dual purpose as a home and a vehicle, they need the specialized insurance coverage that only an RV insurance policy can provide. Your policy can be customized to meet your specific coverage needs according to the type of recreational vehicle you own and how you use it.

RV insurance costs can range from a couple hundred to a few thousand dollars a year depending on several factors such as:

  • The type and class of RV you are insuring
  • Your RV’s length, weight, and value
  • The estimated value of the personal property you keep in your RV's living quarters
  • How often and how far you plan to drive your RV per year
  • How much time you plan to spend living in your RV per year
  • Your driving record and insurance claims history
  • Which, if any, coverage options you want to include in your policy

Obviously, someone insuring a camper van that they use for family vacations once or twice a year will pay much less than someone who is planning to tour the US in a luxury motor home. To find out how much it will cost to insure your RV, you can contact insurance providers to request customized quotes.

Why Compare Kansas RV Insurance Quotes before Buying a Policy?

No two insurance companies calculate rates in the exact same way. It is therefore to your benefit to compare quotes from a few competing providers.

Shopping around for the most affordable rate has the potential to save you hundreds of dollars a year on your RV insurance policy. Independent agents can save you time and money by doing the comparison shopping legwork for you.

Is RV Insurance Required in Kansas?

If your RV is a non-motorized towable, such as a pop-up camper, travel trailer, or fifth-wheel, you are not required by Kansas state law to cover it with an RV policy. Instead, you can purchase an endorsement on the auto insurance policy of the vehicle that will be used to tow it.

However, if your RV is self-propelled, like a motorhome or camper van, it will be held to the same minimum coverage requirements as your car or truck. In Kansas, this means that your RV insurance policy must include the following:

  • Liability insurance: This covers other people’s medical bills and property damage if you cause a collision and the resultant costs exceed what their insurance can cover. Your policy must include, at a minimum:
    • Bodily injury liability coverage per person: $25,000
    • Bodily injury liability coverage per accident: $50,000
    • Property damage liability coverage: $25,000 per accident
  • Personal injury protection (PIP) insurance: This covers medical bills, lost wages, and other related expenses if you or your passengers are injured in a collision, regardless of fault. Your PIP must include, at a minimum:
    • Medical treatment expenses: $4,500 per person
    • Disability/Loss of income: $900 per month for up to one year
    • Survivor benefits: $900 per month for up to one year
    • In-home services: $25 per day for up to one year
    • Funeral/burial/cremation costs: $2,000
    • Rehabilitation services: $4,500
  • Uninsured motorist insurance (UIM): This is designed to pay for medical treatment and related costs that go beyond what your PIP insurance can cover if you are injured in a collision caused by an uninsured driver. Your policy must include, at a minimum:
    • Bodily injury per person: $25,000
    • Bodily injury per accident: $50,000

RVs are larger and heavier than most vehicles on the road, so if you cause a collision while driving one, it is likely to result in a lot of property damage and potentially serious injuries to others. You may therefore want to purchase liability coverage in much higher amounts than the state requires.


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What Else Does Kansas RV Insurance Cover?

In addition to the mandatory coverage mentioned above, your RV insurance company is likely to offer a wide variety of coverage options. This makes it possible for you to customize your policy to meet your specific coverage needs.

Some of the coverage options you may want to consider include:

  • Full coverage: This covers physical damage to your RV. If you have financed your vehicle and are still making payments on it, your lender is likely to require you to have this insurance. It includes:
    • Collision coverage: This covers repair or replacement costs if your RV is damaged or totaled in a collision, regardless of fault.
    • Comprehensive coverage: This covers repair or replacement costs if your RV is damaged or totaled by a non-collision hazard like a tornado or a wildfire.
  • Personal liability coverage: If you live in your RV full-time, this coverage can provide the same personal liability coverage you would typically get with a conventional homeowners or renters insurance policy.
  • Vacation liability coverage: This supplements the liability insurance in your home or renters insurance policy. That way, you can be sure that you will have sufficient coverage if you are accidentally responsible for property damage or injuries while staying at an RV park.
  • Contents coverage: This can pay to repair or replace the personal belongings in your RV if they are lost or damaged because of a covered event like a severe storm or a burglary.
  • Towing and roadside assistance: RVs usually require specialized towing and service if they become disabled while you’re out on the road. This optional insurance lets you rest assured that service calls are covered.
  • Umbrella insurance: This can provide you with much higher levels of liability coverage than your RV insurance policy alone can cover. It is an affordable way to boost all of your personal liability coverage.

If you are planning to park your RV at a campground, you may want to call ahead to see if you are required to carry vacation liability insurance or any other coverage options to stay there.

What Are the Best RV Insurance Companies in Kansas?

The best RV insurance companies are the ones that have a proven track record of providing responsive customer service, reliable coverage, and affordable rates.

Independent agents in Kansas have teamed up with some of the state’s best insurance providers. This lets you rest assured that any policy your agent recommends is offered by a trustworthy insurance company.

How Can an Independent Agent Help Me Find the Best RV Insurance in Kansas?

If you are looking for a reliable RV insurance policy that meets your coverage and budgetary needs, you can benefit from working with a local independent insurance agent.  These agents are available to provide obligation-free guidance and advice and are free to shop around to find you a good policy at a great price.

Discover the many benefits of having a local insurance professional on your side. Arrange a consultation with an independent insurance agent near you to start comparing customized RV insurance quotes.

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