When you purchase an RV or other recreational vehicle that you will drive on Kansas roads, you must also purchase recreational insurance for it according to state law. Fortress Insurance Agency, serving the greater Overland Park, KS community, wants to help you understand the state’s requirements so you obtain the right policy. Driving an RV uninsured or underinsured carries the same penalties as driving an automobile without insurance.
State Requirements for Recreational Insurance
Insuring a Towable RV
An RV that you tow with your car doesn’t need its own policy. To insure a non-motorized towable, you add an endorsement to your auto insurance. This works for travel trailers, pop-up campers, and fifth-wheels.
Insuring an RV You Drive
Like driving a car, you must carry separate insurance on the RV. This recreational insurance uses state minimums, just like the insurance you would buy for your SUV or truck. Because you purchased a self-propelled RV, whether a camper van or motorhome, you need to meet the same minimum coverage requirements in Kansas as for auto insurance. Your recreational policy must include:
- Bodily injury liability coverage in the amount of $25,000 per person,
- Bodily injury liability coverage in the amount of $50,000 per accident,
- Property damage liability coverage in the amount of $25,000 per accident,
- Personal injury protection (PIP) insurance in the amount of $4,500 per person,
- Uninsured motorist insurance (UIM) in the amount of $25,000 per person and $50,000 per accident.
That only covers the other individuals on the road, so you still need to add to the state minimum insurance to cover your own RV, especially if you live and travel in it full-time.
Adding collision, comprehensive, and personal liability coverage ensures that you insure your vehicle and cover your own liability completely if you live in your RV. Adding roadside assistance ensures you have help if your RV experiences a breakdown on the road.
Contact Us Today
Contact Fortress Insurance Agency serving Overland Park, KS to learn more about recreational insurance for your RV. Let us help you remain legal on the road.