Kansas RV Insurance

Find Motorhome Insurance Savings in Kansas

RVers are a different breed. Able to get up and go at the drop of a hat, or  live full time on their RVs, RVers enjoy the outdoors, the sense of well-being that nature provides, and the flexibility and excitement that traveling in an RV can afford.

Whether used for weekend trips or full-time residences, these vehicles usually contain personal belongings and important assets. Having insurance in place covering the RV and its contents is important in case of a disaster or crime. Additionally, accidents do happen, even to the most careful RV driver, and accidents involving RVs can be worse than their typical vehicle crash counterparts. RV insurance for residents of KS is there to protect you, no matter what happens during your travels.

Traffice Accident in Kansas

  • In 2012, there were more than 60,630 traffic accidents in Kansas.
  • Of those more than 375 were fatal accidents.
  • Driver inattention is the #1 cause of accidents in Kansas.

Kansas may seem like a state full of flat ground and farm fields, but there are many downtown and metropolitan areas as well. Accidents happen everywhere, but rural roads pose extra dangers, due to their outlying location and lack of help close by.

When towing or driving an RV, it's important to keep a close eye on your surroundings and your vehicle. There are many online courses designed to help you know the rules of the road when it comes to towing a trailer or RV. Inexperienced towers can easily lose control of their RV or their vehicle from high winds, sudden stops, or sharp curves. These safety courses are designed to help you know what to do in case of an emergency, how to do quick roadside repairs, and how to safely hook up/unhook your RV.

What Does RV Insurance Cover?

RV insurance is a set of policies you purchase to protect your RV and its contents. Each RVer is different so the policies and coverages may differ. A typical motorhome policy may include the following:

  • Collision: If you're involved in an accident, collision coverage will make sure your RV is repaired.
  • Liability: If an accident is your fault, this coverage will repair the damage done to the damaged party's vehicle. This coverage does not repair your vehicle, and is usually required by lenders and the state before hitting the road.
  • Comprehensive: This coverage is also known as "everything other than collision." Campsites can be hazardous for RVs. Low-hanging branches, rowdy campers, or harsh weather can damage your RV, and comprehensive insurance will repair it.
  • Uninsured and underinsured motorist:  Unfortunately, not everyone carries insurance, even though it's required by law. If you're hit by someone who is underinsured/uninsured, this insurance will kick in to fix the damage.
  • Personal belongings: This coverage is especially important for full time RVers. It protects the contents of the RV from damage due to n accident, natural disaster, or crime.
  • Equipment and attached accessories: This will cover accessories attached to the trailer, such as bicycles, satellite dishes, or awnings.
  • Emergency expenses: This insurance covers any emergency expenses you may incur due to an accident.
  • Towing and roadside assistance: If you find yourself stranded on the side of the road, this insurance will help you get a quick fix.

What Types of RVs are Covered by RV Insurance?

There are many types of RVs on the road in KS, and all are eligible to be insured. Here's a quick rundown of the main types of RVs:

  • Class A motorhomes: The largest motorhomes on the road, also known as "Diesel pushers"
  • Class B motorhomes or camper vans:These are the smallest type of RVs, such as cargo vans with living space and travel trailers.
  • Class C motorhomes: These are smaller RVs, but they have a cabover design.
  • Bus coversions
  • Camping trailers
  • Truck campers
  • Travel trailers
  • Fifth-wheel travel trailers
  • Sport utility travel trailers
  • Travel trailers with pop-ups

Each of these can be insured, along with many other types. If you own an RV or travel trailer that's not included on this list, an insurance agent will be able to advise you on available coverages.

What Insurance Do I Need in Kansas if I Live in My RV?

If you live in your RV, your needs are much different from RVers who only use their RVs on weekends. Since all of your belongings are in the RV, you will need an insurance policy structured much like a homeowners insurance policy.  It's important to compare rates, deductibles, and coverages in order to get the best coverage for your money while living in your RV.

What Will My RV Insurance Quote Look Like?

There is no exact price to give for an average cost of RV insurance. There are many factors that go into deciding the price of the policy, including the following:

  • Make/model/type of RV
  • Age of RV
  • RV value
  • Location of RV
  • Storage of RV
  • How often RV is used
  • If RV is used as a residence
  • How far RV travels
  • Driving records for all drivers

As an example, a Class A RV may cost around $2,000 a year or more to insure, while a Class B may fall somewhere between $1,000 and $2,000. Be advised that costs vary greatly, so your quote may be more, or less.

Are There Discounts Available for RV Insurance?

When shopping for RV insurance, be sure to inquire about discounts such as the following:

  • Multi-policy discount
  • New customer discount
  • Loyal customer discount
  • Lay-up discount (If RV is only used during summer, etc.)
  • Security system discount
  • Good driver discount

There may be more discounts available, so be sure to ask about any discounts you may not be aware of.

How Do I Get RV Insurance in Kansas?

When making the decision to get RV insurance, it's a wise idea to have a professional by your who that understands the risks and benefits of an RV. A Trusted Choice® agent is always available to help you discuss coverages, adjust deductibles, or even help you file a claim.

They have years of experience working with Kansas insurance providers, enabling them to find you a number of quotes from a variety of companies. Contact a Trusted Choice member agent near you today to find the most comprehensive RV insurance quotes at the best rates.

 

Now, who's ready to get their insurance problems solved?