Auto, Motorcycle & RV Insurance

Auto insurance in Missouri typically includes liability coverage, which pays for injuries and damages you cause to others, as well as options for collision, comprehensive, uninsured motorist, and medical payments coverage. The right combination depends on your vehicle, driving habits, and budget. Our agents at The Resource Center will walk you through all your options to make sure you have the protection you need.

 Missouri requires drivers to carry a minimum of 25/50/10 liability coverage, meaning $25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage. However, minimum coverage may not be enough to fully protect you in a serious accident. The Resource Center recommends reviewing your coverage needs with one of our local insurance agents to make sure you and your family are truly protected.

Yes! Classic car insurance is different from standard auto insurance because it accounts for the unique value of your vehicle. Whether you drive your classic on special occasions or take it to shows, we can help you find a policy that reflects your car’s true value and fits how you use it.

Yes, motorcycle insurance is required in Missouri. Riders must carry at least the state minimum liability coverage. Beyond the legal requirement, having the right motorcycle policy protects you against medical costs, repairs, and liability if you’re involved in an accident. The Resource Center works with multiple carriers to find coverage that fits your riding style and budget.

Motorcycle insurance can cover bodily injury and property damage liability, collision and comprehensive coverage, medical payments, uninsured or underinsured motorist protection, and even custom parts and accessories on your bike. Our agents take the time to learn about your lifestyle and riding habits so we can recommend the right coverage for you.

We have policies for most types of boats, including bass boats, fishing boats, pontoons, cruisers, runabouts, sailboats, catamarans, and utility boats. If you own a boat in southwest Missouri and need coverage, our local independent insurance agents can find the right policy for you.

Boat insurance typically covers physical damage to your vessel, liability if someone is injured or their property is damaged, medical payments, and in some cases towing and assistance on the water. Coverage options vary depending on the type and size of your boat, so it’s important to work with an agent who understands your specific situation.

Yes, in most cases your standard auto insurance policy will not fully cover an RV or camper trailer. RV insurance is designed specifically for the unique risks that come with recreational vehicles, including coverage for the living quarters, personal belongings inside, and liability while you are parked or traveling. The Resource Center can help you find a policy that fits your travel lifestyle without breaking the bank.

Many RV insurance policies offer coverage for personal belongings kept inside your RV, though coverage limits and terms vary by policy. This can include clothing, electronics, and other personal items. Our agents will help you review your options and make sure you are not leaving anything unprotected on the road.

In most cases, no. Standard home and auto insurance policies do not cover ATVs, dirt bikes, and other specialty vehicles. These vehicles require their own dedicated policy to make sure you are protected whether you are riding on your property, on trails, or at an organized event.

ATV and sport vehicle insurance can cover bodily injury liability, property damage, collision, comprehensive coverage, and medical payments. Some policies also cover accessories and customizations. The Resource Center will help you find a plan that keeps you covered so you can focus on enjoying the outdoors.