Does Your Camper Need Insurance?

Just like when you take your car on the road, if you use your recreational vehicle, you need recreational vehicle or travel trailer insurance. It doesn’t matter if you head to the Lake of the Ozarks for a few weeks of camping or go to Florida for the entire winter; you still need coverage for you and your fellow motorists.

As independent agents, we have a wide array of travel trailer insurance products available to our clients in St. Louis, Missouri, and we can help you find the right policy for your needs.

What Do We Need to Know to Create Your Policy?

To customize travel trailer insurance for your usage, we need to know a little more about you and your motorhome travel. We may inquire about:

• The make and model of your RV, as well as its age and value
• Whether your camper is new or used
• Who drives your motorhome
• The driving records of all drivers
• If you intend to use your camper trailer as a vacation vehicle or residence
• Your prior auto and insurance claims history
• Where you intend to drive your motorhome
• Whether you need to tow anything behind your RV
• Where your camper is garaged when not in use
• If you travel with pets
• If you keep valuables inside your travel trailer
• Whether or not you need roadside assistance

What Types of Recreational Vehicle Coverage Are There?

There are lots of different types of policies depending on how and where you use your trailer. For example, if you use your RV as a residence, you want different coverage than if you use it solely as a vehicle. If you intend to head south of the border, you need insurance specifically for Mexico, as your US insurance won’t apply there.

If you use your camper or RV for fun or as a full-time residence, Clayton Hanley can offer insurance that protects your unique needs.  We offer coverage on all types of motorhomes, cargo & horse trailers, conventional, fifth-wheel, pop-up campers, truck campers, or utility trailers. 

As well as essential liability coverage, which protects you in case you are at fault in an accident or if you have an accident with an uninsured motorist, you may want personal property insurance. You may also want Vacation Liability, Pest Damage Protection or Roof Protection Plus, or roadside assistance with emergency expense in case you get stranded

We work with all these factors, as well as your budget and desired deductible and any appropriate discounts, to come up with the best plan for you.

For more information about recreational vehicle insurance, contact Clayton Hanley Insurance at 314-487-2921 or get in touch online to start a quote. We want you to enjoy your camper wherever adventure takes you, and we’ll make sure you do it with the right protection.

Get a Free RV Insurance Quote