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RV INSURANCE

from Clayton Hanley Insurance

We represent quality insurance carriers like these, so we'll provide you with multiple rv insurance rates to find the right policy for you.

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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.

Answers to Questions We Hear Every Day

You can change your insurance agent without changing your insurance policy or carrier. You simply need to request a change of agent with your current insurance company. This can often be done with a phone call or by filling out a form provided by the insurer. It's a straightforward process and does not affect your existing coverage terms or premiums.

Clayton Hanley Insurance can make this super easy. We'll even review your policy to ensure you're getting every discount you qualify for.

Independent agents receive the rates for similar policies. Where you will find the difference is in the policy coverage and discounts being applied. 

The team at Clayton Hanley is committed to finding every possible discount available and informing you of coverage that you might not know are available. We feel it is important to insure our customers like they are family, not simply find the lowest rate to gain your business.

Ask us! We love finding every last discount possible to save you money on your insurance.

If you live in your RV full-time, you'll need a specialized type of RV insurance often referred to as full-time RV insurance. 

This coverage is more comprehensive than standard RV insurance because it acts similarly to a homeowners insurance policy, providing coverage for liability, personal belongings, and living expenses in case of damage that makes the RV uninhabitable. It's not just a standard auto policy because it covers a broader range of risks associated with living in an RV permanently. 

If you're headed out on a permanent road trip in your RV, or living the tiny-house lifestyle, Clayton Hanley can go over the various types of insurance you may want to consider and provide a quote from our partner carriers.

RideSharing Coverage is for drivers who work for a hailing company such as Uber, Lyft or DoorDash, etc and drive their personal vehicles. 

Ride Hailing company is also known as Transportation Network Corporation (TNC). RideSharing coverage can be added to your personal auto insurance policy.

Don't see your question? Call us or send an email!

RV INSURANCE
in St. Louis, Missouri

Clayton Hanley Insurance is a local independent insurance agency serving individuals, families, and businesses in St. Louis, Missouri.

Because we partner with quality insurance carriers, we're able to offer a range of rv insurance rates in St. Louis. Contact us today to discuss your insurance needs.

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