Before you spend the weekend on Table Rock Lake or head to one of the many Ozarks campgrounds, you need to make sure your recreational vehicles are properly insured. Arlene Lear Insurance has served the Bolivar and Humansville, MO, communities for nearly half a century. Their agents will explain what you need to know about buying RV and boat insurance, so you can be confident you have the coverage you need to be safe during your next outdoor adventure.

Understanding RV & Boat Insurance

Basic RV and boat insurance policies offer liability coverage that will protect you from being financially responsible for damage to another vehicle. Most states, including Missouri, don't require you to carry RV or boat coverage as you have an auto insurance policy. Unfortunately, this only protects another party’s vehicle or property.

To make sure you are protected after an accident, you can purchase additional coverage tailored to your vehicle. Just like covering your car or truck, you have options when it comes to RV and boat insurance. 

RV Insurance

RV insurance coverage is similar to auto insurance. It's wise to purchase a liability policy for your RV because it provides a higher amount of coverage than your auto policy. Even if you have a good plan, RVs can cause more extensive damage than cars or trucks, which may make you responsible for covering the excess costs out of pocket. Investing in an RV liability policy ensures you are properly protected.

You can also add extra protections to your RV policy like comprehensive and collision coverage. Comprehensive coverage covers the cost of non-accident related incidents like storms or theft. While liability coverage damage to other vehicles, a collision policy will cover damage that occurs to your RV, which is especially important if use the vehicle as a primary residence or spend a significant amount of time on the road.

Boat Insurance

Like RVs, boats can cause more damage than your auto insurance policy will cover. Liability coverage for your boat will help cover the costs of repairs for another boat or a dock, but collision coverage will also protect you in these situations. Boats are expensive to repair, so comprehensive coverage will defray the cost if yours is damaged during a summer thunderstorm.

Before you enjoy everything the great outdoors has to offer, make sure your RV and boat insurance policies offer enough protection. The team at Arlene Lear Insurance will help you find the plan that fits your lifestyle and budget. In addition to recreational vehicle coverage, they also offer auto and homeowners insurance to ensure your protection year-round. Contact an agent by calling (417) 777-3000 in Bolivar or (417) 754-8377 in Humansville, or use the form on their website.