RV & Travel Trailer Insurance

Usually not in the way you need it to. Auto insurance may cover a travel trailer while it’s being towed, but it won’t protect the trailer itself or anything inside it. And for motorhomes, a standard auto policy typically doesn’t provide adequate liability or property coverage for a vehicle that you’re also living in. A dedicated RV policy fills those gaps.

We can find coverage for Class A, Class B, and Class C motorhomes, as well as travel trailers of all sizes.

Not sure which category your rig falls into? Below are some examples:

• Class A Motorhomes: These are the large, bus-style RVs such as the Tiffin Allegro Bus, Winnebago Adventurer, and Fleetwood Bounder.
• Class B Motorhomes (Camper Vans): Compact and van-shaped, like the Winnebago Travato, Airstream Interstate, and Roadtrek Zion.
• Class C Motorhomes: Recognizable by the over-cab sleeping area; examples include the Winnebago Minnie Winnie, Thor Four Winds, and Jayco Greyhawk.
• Travel Trailers: From teardrops to full-size bumper-pull and fifth wheels—if you tow it (instead of driving it), we’ve got options.

Yes. If your RV is your primary residence, a standard recreational RV policy may not be enough. Full-time RV insurance is specifically designed for people who live in their rig year-round. It typically includes higher liability limits, personal liability coverage similar to a homeowners policy, and coverage for your belongings as permanent residents rather than recreational gear.

Liability coverage generally applies while your RV is parked, including at campgrounds and RV parks. However, coverage details vary by policy, so it’s worth confirming with your agent that you’re protected both on the road and at your destination.

If your policy includes roadside assistance or emergency road service, you’re covered 24/7 for breakdowns, flat tires, dead batteries, and similar situations. If you’re planning longer trips or remote routes, this is a coverage option worth asking about when you get a quote.

Missouri requires liability insurance for motorhomes since they’re registered and driven on public roads, just like any other vehicle. Travel trailers don’t have their own engine, but liability coverage while towing is still important and often required by campgrounds and RV parks. Our agents in Springfield and Branson can walk you through exactly what you need based on how you use your rig.

Standard liability policies don’t cover the contents of your RV. Personal property coverage is a separate add-on that protects things like electronics, clothing, camping gear, and appliances against theft or damage. For full-timers especially, this coverage is worth the added cost.