Missouri plays host to a variety of activities perfect for every nature enthusiast, including RVers. RV use is growing throughout the nation, and the state of Missouri offers visitors and residents alike a myriad of activities. With the amount of different activities to do, it's important to have RV insurance to protect your investment. Get motorhome insurance quotes from a local insurance agent to ensure you have the protection and the coverage you need.
RV Activities in Missouri
- Missouri has more than 14 million acres of forestland, making it number 7 out of the 20 most-forested northeastern states.
- Missouri's conservation and habitat focus have led the resurgence of species that were once on the verge of extinction, such as the wild turkey, the wood duck and the whitetail deer.
- There were more than 36,000 accidents in Missouri alone in 2011.
With such a focus on outdoor activities in Missouri, it's important to remember to protect yourself with RV insurance while on the road enjoying nature.
Getting Coverage for the Different Types of RV
With so many RV types available, there's one out there to suit your needs, and there's an insurance policy to go along with it. You can get coverage for all the following RV types:
- Class A motorhomes: These are the largest motorhomes available, sometimes called "diesel pushers."
- Class B motorhomes: These are the smaller RVs and the most popular choice for travelers who want a combination of both RV and vehicle.
- Class C motorhomes: These are midsize vehicles favored by smaller families or retirees who do not need lots of space.
- Motorhome bus conversion: This is a bus converted into a motorhome. These vehicles usually have to pass inspection before licensing.
- Travel trailers: These vehicles tow behind a vehicle and store easily.
- Fifth wheels: These RVs attach to trucks via a hitch in the bed. While they are usually sturdier to tow than a tow-behind travel trailer, they are more difficult to attach/detach.
- Truck campers: These campers are typically fully removable. They slide on or mount permanently on a truck.
Once you decide which RV is best for you and travel to the dealer to purchase it, you may need to get insurance before you can drive it home. Just like vehicles and homes, if you take out a loan to purchase your RV, you must insure it. Even if you purchase it without a loan, having RV insurance is a wise idea to protect your motorhome.
What Type of RV Insurance Do You Need?
There are many types of RV insurance available, including these:
- Uninsured/underinsured motorist coverage: If a driver who has no insurance collides with you, your insurance company will pay for your damages. The amount of compensation you receive will depend on the amount of damage, your deductible amount and the limits set on your policy.
- Liability coverage: If you are at fault for an accident, the other driver will file a claim with your insurance company. Your insurer will pay the claim up to the limits of your liability policy. You will pay the costs of any damage, injuries, legal fees or judgments out of pocket, beyond the limits set on your policy.
- Towing coverage: If your RV becomes inoperable after a crash, your insurance will cover some or all of the costs of towing.
- Comprehensive coverage: If someone steals your RV or an animal causes damage to your RV or a hailstorm damages it, your comprehensive insurance will provide coverage for your losses beyond your deductible and up to the limits you’ve selected in your policy.
- Personal property coverage: If you use the RV as a main living space, you likely store things of value in the RV such as jewelry, electronics or other high-value items. Personal property coverage will help you recover monetary losses if your RV is broken into.
Being confident that you have covered your items and your RV with the appropriate amounts is important before going on the road.
How Much Does RV Insurance Cost in MO?
RV insurance policies can vary greatly in Missouri, but there are common factors that go into deciding the cost of the policy:
- Your RV: The make, model and year affect the overall costs. For example, a travel trailer typically costs less than a Class A conventional motorhome, which means that the RV may be cheaper to repair or replace after a major collision. It is also important to consider how you use the motorhome. For example, if you are a full-timer, you will most likely need more RV liability insurance.
- Your driving history: If you have traffic citations and accidents on your driving record, insurance companies may consider you a higher risk for another collision. This means you will likely have a higher rate.
- Your state and travel habits: Where you live and travel will make a difference as well. Each state has different requirements for motorhome liability coverage, and the risks you face in each state differ as well. Areas with more risk will need additional protections.
How Do You Get RV Insurance?
It's easy to see why RVs are such a popular mode of recreation not only in Missouri, but also in the entire United States. It's also important, however, to have peace of mind knowing that you have insurance protection while enjoying the great outdoors. Getting RV insurance is easy with help from a Trusted Choice® agent. These agents can compare different quotes and come up with a policy perfect for your lifestyle - which is a huge advantage for any consumer.