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RV Insurance in Missouri

Whether you own a motorhome, travel trailer, camper, or horse trailer — we'll help you select the right coverage and get a great price at the same time.

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What Is RV Insurance?

RV insurance provides specialized coverage for recreational vehicles used for personal, recreational purposes. A dedicated RV policy covers your motorhome, travel trailer, camper, or horse trailer with protections specifically designed for life on the road — including liability, collision, comprehensive, and unique RV-specific coverages.

RVs for personal recreational use can typically be insured for up to 250 days per year, giving you plenty of time to travel south for warmer winter weather or enjoy that extended vacation. Insurance Plus can help you compare quotes from multiple carriers to find the best deal.

RV Coverage Settlement Options

When it comes to how your comprehensive and collision claims are settled in the event of a total loss, you may have several options to choose from:

Vacation Liability and Personal Effects

Consider adding Vacation Liability coverage for when you stop driving and start using your RV as a temporary residence at a campground or RV park. Some policies can also include additional coverage for physical damage during travel in Mexico.

Personal Effects Coverage provides replacement cost for damage or loss to items you normally use with your RV — like camping gear, kitchen equipment, and electronics — when physical damage coverage is selected.

What's Typically Covered

Liability (bodily injury and property damage)
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist
Medical payments
Vacation liability (stationary use)
Personal effects / contents coverage
Towing and roadside assistance
Full-timer coverage (if you live in your RV)

Why Choose Insurance Plus?

Multiple Carriers

We compare options across our carrier network so you get the best coverage at the best price.

Personal Service

A dedicated advisor who knows your family and your policies — not a call center.

Claims Support

We advocate for you during the claims process from start to finish.

Frequently Asked Questions

Yes — RVs require their own insurance policy separate from your auto policy. RV policies include coverages not available on standard auto insurance, like vacation liability and personal effects.
Stated value pays market value at the time of a loss. Agreed value pays a pre-determined amount you and your insurer agree upon — no depreciation, no negotiation.
With vacation liability coverage, yes. This extension covers you for liability while your RV is parked and being used as a temporary residence.
Your tow vehicle is covered under your auto policy, while your travel trailer needs its own RV policy. We can help coordinate both for comprehensive coverage.

Protect What Matters Most

Get a personalized insurance review from our Columbia, MO team.