Owning a recreational vehicle (RV) in Kansas provides an exciting way to explore the state. However, like any other motor vehicle, RVs are exposed to a variety of risks that must be covered by insurance. These risks include:
- Liability for bodily injury and property damage caused by an accident
- Medical bills for the driver and their passengers if injured in an accident
- Repair or replacement costs of a damaged vehicle, regardless of fault
- Damage caused to another person’s car or property from a hit-and-run incident
- Damage, loss, or theft of the RV itself
- Legal fees and expenses related to an accident that exceeds coverage limits
- Comprehensive cover for accidental damage, vandalism, or theft
- Financial costs associated with participating in RV events or rallies
- Protection against uninsured/underinsured motorists
- Emergency expenses related to a breakdown, such as food, lodging, and transportation
To protect your Recreational vehicle from these risks, it’s important to purchase a comprehensive RV insurance policy. An RV insurance policy will provide you with financial protection for your vehicle, yourself, and other people in the event of an accident or other unforeseen circumstances.
Recreational Vehicle (RV) Insurance Costs in Kansas
Recreational vehicle owners in Kansas pay between $573 and $958 for their insurance premiums, which is slightly lower than the national average of $1,500 per year. The price you pay for your RV insurance in Kansas will depend on a variety of factors which include the following:
The Type of Your Recreational Vehicle
The type of recreational vehicle you own will have an effect on the cost of your RV insurance. For instance, motorhomes are typically more expensive to insure than travel trailers or pop-up campers due to their increased size and higher risks. Additionally, certain types of RVs may require specialized coverage, which could further increase the cost of your policy.
Your Driving Record
Your driving record is another important factor that affects how much you pay for RV insurance in Kansas. If you have a poor driving record with multiple traffic violations or prior accidents, then this could result in a higher premium for your policy. On the other hand, if you maintain a safe driving history, then this can help to lower your insurance costs.
Your Location
The location of your RV also affects the cost of your insurance. If you live in a high-risk area, such as near a large body of water or in an area prone to severe weather, this could result in higher premiums for your policy. On the other hand, living in an area with lower risks can lower the cost of your coverage.
Your Credit Score
Your credit score is another factor affecting your RV insurance cost in Kansas. Insurers use credit scores to assess an individual’s risk level and set premium rates accordingly. Individuals with higher credit scores typically pay lower premiums for their policies than those with lower scores.
Deductibles
The amount of deductibles you choose will also impact the cost of your RV insurance in Kansas. A higher deductible means that you will be responsible for a larger portion of any damages, and this could result in lower premiums for your policy. On the other hand, a lower deductible may mean that you pay slightly more for your coverage but would have less to pay out if there is an accident.
In order to get the best rate for your RV insurance in Kansas, it is important to talk to experienced agents from a reputable insurance company such as Winn Insurance Group. We have years of experience helping RV owners find the right type of coverage and the best rates for their needs.
We’re Your Trusted RV Insurance Provider in Kansas
At WINN Insurance Group, we specialize in providing RV insurance solutions for RV owners in Kansas. With years of experience as an independent provider, we are able to offer competitive rates and tailored coverage for your needs. Our knowledgeable agents will work with you to find the best possible option that fits within your budget.
By understanding the various factors that can affect the cost of RV Insurance in Kansas, such as age, value, location and credit score, our agents can help you determine the best deductible and liability limits for your policy. We also provide coverage options such as emergency roadside assistance and vacation liability protection so you can enjoy peace of mind on your travels.
Contact us today and let’s get started on giving your RV the ultimate insurance coverage it deserves.
Levels of Coverage Offered by Kansas RV Insurance
According to Kansas state law, you don’t need a separate RV insurance policy if you own a non-motorized towable recreational vehicle (RV) like a pop-up camper, travel trailer, or fifth wheel.
Instead, you have the option to add an endorsement to the auto insurance policy covering the vehicle you’ll be using to tow the RV.
On the other hand, if your RV is self-propelled, such as a motorhome or camper van, it must meet the same minimum coverage requirements as your truck or car. This means that your RV insurance should include the following coverage:
Liability Coverage
Liability coverage is a must for RV owners in Kansas. This type of insurance pays for any damage that you are responsible for to other persons or property, including medical costs and legal fees. Generally, the minimum liability coverage required by law in Kansas is:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
If you own an older vehicle or one with a higher value, you may want to purchase additional liability protection beyond the state’s minimum requirements.
Personal Injury Protection (PIP) Insurance
This type of coverage helps to pay for medical expenses, lost wages, and other related costs for you, your passengers, or members of your family who are injured in an accident caused by another driver—regardless of fault. Your PIP coverage should include a minimum of the following:
- $4,500 for medical costs per person
- $900 per month in disability and loss of income for up to one year
- $900 a month in survivor benefits over the same period
- $25 daily for in-home services over one year
- $2,000 for funeral/cremation/burial expenses
- $4,500 for rehabilitation services
By purchasing additional coverage, you can increase these limits to meet your own needs.
Uninsured/Underinsured Motorist Coverage
This type of coverage helps protect you financially if you are injured in a car accident by another driver who does not have insurance or does not have enough insurance to cover your costs. The minimum UM/UIM coverage required in Kansas is the same as the state’s liability requirements:
- $25,000 per person
- $50,000 per accident
You can purchase additional UM/UIM protection beyond the state’s minimums for added financial security.
Comprehensive and Collision Auto Insurance
If your RV qualifies as a “private passenger” vehicle, you may want to purchase comprehensive and collision coverage. This type of coverage helps pay for repairs or replacement if your RV is damaged in a covered incident such as a fire, flood, theft, or vandalism. It also covers damage from collisions with other vehicles or objects.
Personal Liability Coverage
Personal liability coverage provides protection for you and your family if you are found legally responsible for an accident that causes injury or property damage to another person. This coverage helps pay for legal fees, court costs, and any damages awarded to the other party in a lawsuit.
Vacation Liability Coverage
Vacation liability coverage supplements your renters or home insurance policy while you are on vacation in the RV. It helps pay for damages caused to someone else’s property as a result of your negligence and can also cover medical expenses if you are found responsible for causing an injury.
Medical Payments Coverage
Medical payments coverage helps pay for medical expenses if you or your passengers are injured in an accident, regardless of who is at fault. This coverage also pays the costs of transporting you to a medical facility in case of an emergency.
Towing and Roadside Assistance
RVs often require specialized towing services and roadside assistance. Towing coverage helps pay for the costs associated with towing your RV in case of a breakdown, while roadside assistance can provide you with help like jump-starting your battery or changing a flat tire.
Contents Coverage
Contents coverage helps pay for repairing or replacing your personal belongings if they are damaged or stolen while in your RV. This includes items like furniture, electronics, clothing, and other possessions that you keep inside your RV.
It can also cover any expenses incurred as a result of theft, such as hotel costs, if you need to stay elsewhere while your RV is being repaired.
Discounts and Savings on Kansas RV Insurance
Kansas RV insurance companies offer a range of discounts and savings to help lower your premiums. Depending on the provider, you may be eligible for:
- Multi-vehicle discounts: Save money by bundling multiple vehicles into one policy.
- Good driver discounts: Receive lower rates if you have a clean driving record.
- Safety device discounts: Installing certain safety devices can result in discounted rates.
- Low mileage discounts: Reduce your premium with proof of low annual mileage.
- Loyalty rewards programs: Stay with the same provider and receive loyalty rewards such as cashback or additional coverage options.
- Paying in full discount: Some insurers offer discounted premiums if you pay for an entire year in advance.
- Military discounts: Many insurers offer discounts for military personnel and their families.
- Bundling discounts: Bundle your RV and auto insurance policies with the same provider to get a discounted rate.
These are just some of the potential savings that may be available when purchasing Kansas RV insurance. Speak with your provider to learn more about the specific discounts and rewards you may be eligible for.
Having Questions? Contact Us Today.
WINN Insurance Group is here to help you find the right Kansas RV insurance policy for your needs. Our experienced team of agents can answer any questions you have about coverage, discounts, and more. Contact us today to get started. We look forward to helping you secure the protection you need.