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Your motorhome is a significant investment, so having the proper protection is important. At Rich Insurance Agency LLC in Kansas City, MO, we understand that Class A motorhomes require different considerations than other types of recreational vehicles.
Missouri requires motorhomes to have the same minimum coverage as cars. This means that you must have liability insurance for your vehicle.
If you have a lien on the motorhome, your lender will also require you to carry full coverage insurance. Even if you aren't required to have full coverage, it's a wise investment.
Motorhome insurance is a subset of RV insurance. It includes coverage similar to auto vehicles. However, there are other coverage options that you should consider as well.
Liability insurance is required for all motorized vehicles in Missouri. If you are involved in an accident declared your fault, the policy will cover the damages up to the coverage limit. It also covers the medical expenses of the other driver and their passengers.
Full coverage insurance allows you to protect your investment. If your motorhome is damaged or totaled, the policy will pay to repair or replace the vehicle, even if you are at fault.
Full coverage also covers damage that happens when the motorhome is parked. Damage from falling trees and vandalism are a few examples of this.
This coverage typically includes a medical policy that covers you and your passengers in case of injury.
Motorhomes are much different than standard auto vehicles, so it makes sense to have special coverage.
One type of coverage you should consider is personal effects coverage. This covers your belongings if they are damaged due to an accident or mishap.
If you need coverage for your motorhome in Kansas City, MO, contact Rich Insurance Agency LLC. Our friendly agents will explain your coverage options and help you select the policy that meets your needs.
