Securing Your Mobile Retreat: A Guide to Motorhome Insurance in Overland Park, KS

When you have a motorhome in Overland Park, KS, you can travel any time. Whether you have a Class A, Class B, or another type of motorhome, you can bring your accommodation to your destination.

It’s a significant investment, so your mobile retreat should have motorhome insurance. The good news is that Fortress Insurance Agency can guide you through the right coverage for you.

The Coverage is Critical

Having a motorhome can be exciting, but you also want to know that it’s adequately protected on all of your adventures. As such, you’ll want to ensure it has the necessary coverage.

Whether it gets broken into, damaged on the road, or even stolen from a campground, you want to know that you can file a claim with the insurance company.

Working with an agent will allow you to look at such coverage options as:

  • Gap insurance
  • Liability coverage
  • Comprehensive coverage
  • Collision coverage

Remember, too, that the type of motorhome you have will help determine what insurance may be required. If your motorhome has its own engine, it will be a vehicle—and therefore, the basic auto insurance minimums for Kansas will also need to be met.

Consider the Cost

Whether you buy a brand-new or used motorhome, it’s an investment. This means you have to consider paying a premium to protect your mobile retreat against any eventuality.

Explore quotes from different companies while also looking at deductibles. This way, you’ll know what the out-of-pocket expenses are if you do have to file a claim.

Ready to look at motorhome insurance? When you’re in the area of Overland Park, KS, you can call us at Fortress Insurance Agency. One of our friendly and knowledgeable agents can answer questions and get you quotes for an affordable policy.

Do You Need Motorhome Insurance When You’re Not Traveling?

Traveling in your motorhome can be an amazing way to see the country, but what happens when you’re not traveling? While you might decide to make your motorhome your full-time residence, you might also want to use it for vacations and leave it parked the rest of the time. If you’re not driving it, do you still need insurance on it? At Fortress Insurance Agency we can help you and other travelers in Overland Park, KS get the right motorhome insurance.

Motorhome Insurance When Not Traveling

The type and level of insurance coverage you need will depend on the way you use your motorhome. If it’s your full-time home, you definitely want to make sure you’re covered at all times. It’s not just about driving it, though. You also need protection from fire, theft, and other types of issues that could happen to it whether it’s on the road or parked in your driveway or a campground space.

If you’re only using your motorhome occasionally, and it spends most of its year parked at your house or sitting in a storage facility, you may be able to have a different kind of coverage on it. Since it’s not being used on the roadways at that time, you can work with your agent to ensure it’s protected without the need to protect other drivers. Talking to your agent about the options you have is the right way to find proper coverage.

We Are Here To Help

If you’re in the Overland Park, KS area, reach out to us today at Fortress Insurance Agency. We can help you find the right motorhome insurance policy for your needs, so you can get the coverage that fits your situation. Depending on how much coverage you’re looking for and the amount of time you drive your motorhome during the year, you may have several options.

What Exactly Does It Mean If a Car is Totaled?

If you have been involved in an automobile accident, your auto insurance provider may inspect your car to determine if it can or should be repaired or whether to salvage the car, also known as totaling the car. At Fortress Insurance Agency, serving the Overland Park, KS area, we have discovered that there is a lot of misinformation about cars being salvaged or totaled.

Here are some of the questions you may have about a car being totaled and the answer:

What Exactly Does It Mean If a Car is Totaled?

If your car is totaled, it means that the cost to repair your vehicle exceeds the value of your vehicle. As such, your car is far more likely to be totaled if it is older, compared to if it is newer. This is because older cars tend to have a lower value, and car repairs can be pricey. 

What Happens If You Do Not Agree That Your Car is Totaled?

If you do not think your car is totaled, you can obtain a second estimate for repairs from another body shop and submit those estimated costs to your insurance company. They may decide to look over the new estimates and change their decision on totaling your car. However, if the repair costs are at or above the amount your car is valued at, your car will be totaled whether you agree or not. 

Contact Us Today

At Fortress Insurance Agency, serving the greater Overland Park, KS area, we are dedicated to helping local residents obtain the auto insurance policies that best protect them in case of an accident. While we cannot prevent your car from being totaled, we can help to ensure you are fully protected in case your vehicle is totaled. Reach out to us today to learn more about allowing us to help you find an auto insurance policy. 

Top Myths About Motorhome Insurance Debunked

If you’ve ever considered buying a motorhome, you’ve probably researched the best way to insure your vehicle. And with so many options out there, it can be tough to know what’s true and what’s not when it comes to motorhome insurance. To help you make the best decision for your needs, we’ve debunked some of the top myths about motorhome insurance. Fortress Insurance Agency in Overland Park, KS offers this guide in insuring your motorhome. 

Top Myths About Motorhome Insurance Debunked

Myth 1: You Don’t Need Insurance if You’re Not Driving It

One of the most common myths about motorhome insurance is that you don’t need it if you’re not driving the vehicle. However, this simply isn’t true. Even if your motorhome is parked, it’s still at risk for things like theft, vandalism, and weather damage. It’s important to have coverage in place even when you’re not using the vehicle.

Myth 2: Your Auto Insurance Will Cover Your Motorhome

Another myth about motorhome insurance is that your auto insurance will cover your motorhome. However, this is not the case. Auto insurance policies typically exclude coverage for RVs and other recreational vehicles. So if you’re planning to use your motorhome, you’ll need to purchase a separate policy specifically for it.

Myth 3: Motorhomes Are Not Worth Insuring

Some people believe motorhomes are not worth insuring because they’re not worth as much as a traditional home. However, this isn’t necessarily true. The value of your motorhome will depend on factors like the make and model, age, and condition. It’s therefore important to get an insurance policy that covers the full value of your vehicle.

Myth 4: All Motorhome Insurance Policies Are the Same

Another myth about motorhome insurance is that all policies are the same. However, this simply isn’t true. There are various policy types available, and each one offers different coverage options. Ensure you compare policies before buying to ensure you’re getting the right coverage for your needs.

Get Motorhome Insurance in Overland Park, KS

Now that you know the truth about motorhome insurance, it’s time to get your own policy. Fortress Insurance Agency offers comprehensive coverage for all types of RVs and motorhomes. Contact us today to get a quote. We’ll help you find the perfect policy to protect your vehicle.

Do you need motorhome insurance in Overland Park?

In the Overland Park, KS area, residents will find there are a lot of great recreational amenities that are available within a reasonable drive of town. Some of these can include national and regional parks, great camping grounds, and other fun activities. A great way to experience all that you can in the area is by getting your own motorhome. Along with your motorhome, you will also need a motorhome insurance plan for a few reasons. 

Protect Asset

A key reason that you should have motorhome insurance is to protect your asset. Buying a motorhome is a big investment and one that you will want to enjoy for a long time. If you get motorhome insurance, you can receive coverage that is needed to ensure you can repair your motorhome if you incur any types of losses including theft or accident damage. 

Liability Support

A motorhome owner is also going to need motorhome insurance for liability protection. Motorhome owners will take on a unique mix of liability risks that include risks of causing an accident on the road or when the vehicle is parked, and you have guests over. Fortunately, a full insurance plan can mitigate all of these risks. 

Those that would like to buy a motorhome in the Overland Park, KS area should always ensure they get the right insurance for it. This type of insurance is unique and there are a lot of factors to consider when looking for a new plan. As you are shopping for a new policy here, it would be helpful to speak with the Fortress Insurance Agency. If you do contact the Fortress Insurance Agency, you can learn a lot about your different insurance options so you can pick a plan that offers the right coverage. 

When is motorhome insurance necessary for me?

Anyone that lives in the Overland Park, KS area and would like to have a way to tour the state and country should consider getting a motorhome. These can provide you with a safe mode of transportation and plenty of great memories. Along with this, you should also consider your insurance needs for this asset. 

When You took Out Financing

One common situation that will warrant getting motorhome insurance is when you have taken out financing to buy it. Anyone that purchases a motorhome will quickly find that the cost can preclude making it possible to finance with just cash. Fortunately, you can often take out a loan to buy it. While financing a motorhome makes sense for many, there are motorhome insurance rules that you will need to follow. It is important to read this section of your agreement and to comply with it.

When Needing Liability Coverage

Another situation when you will want to have motorhome insurance is when you will need liability coverage. Those that choose to drive their motorhome in the state will be required to carry proper insurance for it at all times. The state will require any motorhome operator to at least have liability coverage. This way, you will be able to pay for damages that you may cause during an accident. 

When you are shopping for a new motorhome or motorhome insurance policy in the Overland Park, KS area, you will want to get proper guidance and support. The team at Fortress Insurance Agency can help you understand your various needs and options. If you choose to call Fortress Insurance Agency, you can get insight into the unique risks that owners have. They can then help you build a new policy to mitigate these risks and concerns.