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.
"I had the pleasure of working Jeremy who was very customer service focused. Jeremy listened to me and worked very hard to get my the insurance coverage that I needed for our business. He researched many options and made sure at the end I had the best coverage that worked for my price range and had the benefits that I needed!"
"Matt and his team are amazing at what they do. Customer service is hands down the best that I have experienced with any insurance agency. I am extremely satisfied with how they handle my insurance needs. I have and will recommend them to my friends and family!"
"Unfortunately my daughter had an auto accident.We called Matt Rich with Farmers insurance agency and they were immediately there for us and actually walked us through the entire process step by step. I would highly recommend this agency or any of your insurance needs. Very much appreciated this was our first official accident and over 40 years of driving.. Their customer service and follow up is impeccable."
"Provided us service quickly and did the best they could to offer the best coverage and the best rates. We’re grateful. Very professional and kind. Jeremy treated us like family."
"Team does a nice job! Very responsive to all my needs or questions and easy to get a hold of. Calls to talk through annual renewals. Would recommend using them."