Summer Road Trips: Is Your RV Fully Covered?

Many Missouri residents take recreational vehicle (RV) trips as summer arrives. Checking your coverage before you leave can keep your plans on track. At Crawford-Butz & Associates Insurance Agency, we offer RV insurance for your seasonal travel needs.

Why Review Your RV Insurance Before Summer Travel?

Because an RV serves as both a vehicle and a living space, a standard auto policy may not fully apply. Summer travel can also bring weather, road conditions and campground risks that basic coverage may not address.

Common Coverage Gaps for RV Owners

RV owners may often find gaps in their insurance, such as:

• Personal belongings: Standard policies may not cover items inside your RV, like electronics, camping gear or kitchen supplies.
• Liability coverage: If you host guests or park at crowded sites, you may need additional liability coverage for accidents or injuries.
• Comprehensive coverage: Damage from storms, theft or vandalism may not be covered without this coverage.
• Collision coverage: Damage from accidents may not be fully covered without this coverage type.
• Full-time vs. occasional use: If you use your RV as a primary residence or travel frequently, you may need a specialized policy.

Factors That Can Affect Your Premium

Insurance costs can vary based on several factors:

• RV type and size: Motorhomes, travel trailers and fifth wheels may each carry different rates.
• Age and value: Newer or higher-value RVs may cost more to insure.
• Usage frequency: Seasonal and year-round use can impact your premium differently.
• Storage location: Where you store your RV, such as a secured facility or a driveway, may affect your rate.
• Driving history: Your driving record can influence your premium.

Our Team Can Help Missouri RV Owners

Contact Crawford-Butz & Associates Insurance Agency today to request a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.