As many people with RVs already know, there's nothing quite like getting out there and exploring. You can travel without giving up the comforts you enjoy in everyday life! But before you start your adventurous lifestyle out on the road, you need to make sure you and your vehicle are adequately protected.
The truth is that you need RV insurance in the same way that you need auto insurance. At Fortress Insurance Agency, we offer a range of RV policies to suit all makes and models, and we are here to help you find the perfect coverage that fits your RV and your personal needs. Here are some things you should know about RV insurance in Kansas:
RV Insurance Laws
In order to register your RV in most areas, you will need to present proof of insurance. Specifically, you need to have insurance coverage that meets the minimums set by the state (mainly in the areas of bodily injury and property damage liability).
An RV is defined as any vehicle or "vehicular-type unit" that is built on a chassis and is meant for use as either temporary living quarters or a means for vacation, camping, and general recreation (including travel). Specifically, to be considered an RV, the vehicle must also have a 12 volt+ electrical system, its own plumbing system, and wiring meant for area heating.
Get caught out on the road without proper RV insurance, and you could face serious fines.
What Kind of Coverage Do I Need?
It's important to realize that minimum insurance is not enough to cover the costs of an accident in most cases. In order to determine the exact kind of coverage you need, our experts at Fortress Insurance Agency will look at your specific situation. We will evaluate how much you use the vehicle and where you intend to drive it. We will also take into account the type of RV, its size, and its worth.
You should also note that insurance laws vary in different states, and so having a greater level of coverage will help protect you when you cross state lines.
Ready to get started? Contact Fortress Insurance Agency today or come drop by our office at your convenience.
While our office is located in Kansas, we serve clients in multiple states, including Nebraska, Missouri, and Iowa