After the nation has endured more than two years of feeling locked down in so many ways, the chance to see soul-stirring locations such as the Grand Canyon and other amazing national parks are just a start of what you can do with a well-equipped RV. There’s nothing quite as freedom-inducing as having a place to spend the entire evening on wheels, and the “Winnebago Warrior” spirit has been around for decades. Many people right here in Missouri are asking us about the different types of coverage that they will need to do the job right and feel as if they are protected in all ways once they hit the road. 

Are you Holding the Best Type of RV Insurance Possible For Your Needs? There are several different types of recreational vehicles that offer tons of sleeping space, outdoor and indoor cooking options, and the means for the whole family to escape and enjoy the great outdoors on your own terms. Here it is important to note that you may not just want to rent it, cover it, and put it in drive before you go: there are many things that you may want to learn about the handling and overall performance of your RV before hitting a place such as the Ozarks with a recreation-bound fervor! 

The main differences that we can go over with you here at the Alexander Insurance Agency of St Charles depend on whether you have a camper, motorhome, or trailer. In most states as a rule, you’ll need liability, property damage, and bodily injury as your minimum requirements for coverage. If your RV motorhome is not completely paid for by you, the lending party will want you to carry collision and comprehensive coverage to provide your due diligence protecting their property while waiting for the title transfer process to be completed in its entirety. 

Is RV Insurance Required During all Times of Operation? If you happen to damage your RV or impose injuries upon another party, you can file a claim with your insurance provider. Depending on the type of incident that occurred, your insurance policy may kick in and pay for the losses or injuries up to your coverage amount. One of the most important things to consider while looking at your options for RV coverage is that your premium is determined by how often you use it, and if it is just used occasionally or if you are using it as a full-time place of residence. 

Comprehensive Coverage will protect your RV from outright theft, vandalism, windshield damage, rocks and debris that may be kicked up, and sudden impact with animals. Collision coverage takes care of damage to your RV if an accident takes place no matter which driver was ruled at fault. Both coverages will include a deductible, which is paid out of pocket before coverage much like forms of health care coverage. 

Bodily Injury and Property Damage Liability is the coverage type that is usually the predominant one being required for motorhomes. It will act to pay for damage or injuries that you cause while driving your motorhome and will thankfully cover legal fees that could occur after any type of accident. Travel trailers do not require liability coverage because it is usually provided by the vehicle that is in place with the necessary muscle and horsepower to keep the load movin’ at all costs. 

Uninsured/Underinsured Property Damage and Bodily Injury: if your motorhome is hit and damaged by someone who is not carrying insurance at all or does not have enough to properly cover the damage they’ve caused, the uninsured and uninsured motorist property damage coverage type will pay to repair for replacement, or for any injuries that happen during the incident. 

It has been exhilarating to know that all our valued customers here at the Alexander Insurance Agency of St Charles are able to get back out and enjoy everything the fresh air and stoking challenges the wild can offer. Having a moving space in tow allows for the freedom to come back from the lake and chill out for a bit, have a movie night if the weather takes a drastic turn, or even bunk up properly with some of the extra family fun-seekers that came along for the ride. If you are just heading out for a few weeks or want to consider roving around in an RV permanently, come sit down with us and plan for being well-protected from loss, accidents, and damage: There is too much time you’ll want to spend enjoying open spaces instead of worrying about any trouble that will arise from not properly covering your necessary insurance bases!