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Home > Recreational Vehicle Insurance - Jefferson City MO & Fulton MO

Recreational Vehicle Insurance


Recreational Vehicle Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

RV Quote Form

Recreational Vehicle Insurance Information

If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., ATV or snowmobile), you may wrongly assume that your homeowners or auto policy will cover your recreational vehicle. The only way to receive coverage for powersports is to secure additional insurance. Determining what and how much coverage you need can be tricky, but that’s why we’re here to help. 

The agents at Fred Vogel Insurance have the experience and knowledge to help people in Jefferson City, Fulton, Columbia and the surrounding area acquire a suitable RV insurance policy.  

What Does Recreational Vehicle Insurance Cover? 

“Recreational Vehicle Insurance” is a general term that the insurance industry uses to refer to a variety of policies used to insure vehicles like boats, motorcycles, RVs, ATVs and travel trailers. Each specific policy covers something different. See below for more information. 
 

What Does RV Insurance Cover? 

RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes: 

 

  • Liability Insurance: Insures you against damage you cause others if you are at-fault in a wreck.

  • Bodily injury liability coverage pays for their medical bills (and in some cases deaths)

  • Property damage liability pays for damage to the other driver’s property, like their car.

  • Collision Insurance: Covers damage to your own vehicle after a wreck.

  • Comprehensive Insurance: Pays for vehicle damage from non-accident mishaps, like weather damage.

  • Medical Coverage: Pays for your medical bills and those of your passengers.

  • Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.

  • Campsite and Vacation Coverage: Covers liabilities associated with using the RV as a vacation property.

  • Full Time Residence Insurance: If you live in the RV permanently, turn to this coverage. 


Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills. 

What Does Boat Insurance Cover? 

Boat insurance offers numerous types of coverage, including:  

 

  • Physical Damage: This covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.

  • Medical Payments: This covers medical expenses for the policyholder and their passengers after an accident.

  • Liability Insurance: This covers bodily injury and property damage the boater may cause to someone else in an accident.

  • Guest Passenger Liability Insurance: This covers expenses if a permissible passenger causes an accident while operating the boat.

  

Your plan can also contain a host of other benefits like:

  • Salvage Coverage

  • Pollution Liability Insurance

  • Tow Trailer Coverage

  • Agreed Value Insurance

  • Personal Effects Coverage

  • Fishing Equipment Coverage

  

What Does Off-Road Vehicle Insurance Cover? 

The typical off-road vehicle (e.g., ATV, golf cart or snowmobile) policy includes the following coverage: 

 

  • Comprehensive coverage: This provides compensation if the off-road vehicle is damaged or lost due to fire, theft, vandalism, hail or wind.

  • Collision coverage: This provides compensation if the off-road vehicle is damaged or lost due to collision with another vehicle or object.

  • Liability insurance: This covers bodily injury and property damage the insured driver may cause while operating the vehicle.

  • Physical Damage: This covers the off-road vehicle and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.

  

Other benefits that you can also use to your advantage include:

  • Custom parts coverage

  • Gear & accessories coverage

  • Replacement cost coverage

 

What Does Motorcycle Insurance Cover? 

You may be wondering how motorcycle insurance works, Motorcycle insurance offers a diversity of benefits, which will offer you protection against any number of challenges that might arise:  

 

  • Comprehensive coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.

  • Collision coverage: This provides compensation if the motorcycle is damaged or lost due to collision with another vehicle or object.

  • Liability insurance: This covers bodily injury and property damage the insured biker may cause while operating the vehicle.

  • Personal Injury Protection (PIP): This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is at-fault.

  • Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.

  • Uninsured/underinsured motorist insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.

  

Other benefits that you can also use to your advantage include:

  • Roadside assistance

  • Custom parts coverage

  • Gear & accessories coverage

  • Replacement cost coverage

  • Gap insurance

  

Is Recreational Vehicle Insurance Required? 

Depending on the type of recreational vehicle you own and where you live, you may be legally required to obtain insurance for your vehicle. For example, most RV and motorcycle owners must obtain at least the minimum motor vehicle insurance required of all drivers in their state of residence.  

At Fred Vogel Insurance, our experts will dedicate themselves to thoroughly vetting your coverage needs and working with you to construct an ideal policy. Contact us today to get started.  

How Much Does Recreational Vehicle Insurance Cost? 

The cost of your recreational vehicle policy will vary based on the vehicles you are insuring, the value of those vehicles, your location, driving record and scope of the policy you select. Contact Vogel Insurance Group today to discuss your unique insurance needs and obtain a custom quote.  

 

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