In Mississippi, motorhomes or recreational vehicles (RVs) need liability insurance to cover at least $25,000 per person and $50,000 per accident for bodily injury. You also need a policy that covers at least $25,000 for damage to property. You can always get more coverage, but these are the minimum requirements by the state. Learn more from the professionals at Riverside Insurance Agency Inc. serving Flowood, MS and surrounding areas.
If you have a pop-up camper or a travel trailer, you don’t have to get RV insurance. They are usually already covered by the car that tows them. You also might have to have more coverage if your RV is still financed through a bank and you don’t own it outright. Some lenders require replacement insurance and higher coverage limits.
Optional Coverage for RVs and Motorhomes in Flowood, MS
Comprehensive and collision coverage are sometimes required by your lender or bank, but not by the state of Mississippi. It is still wise to get a policy to cover theft, fire, or damage to any vehicle you own, whether it’s an RV, a pop-up trailer or another towed vehicle.
You can purchase optional insurance coverage like:
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Uninsured motorist protection
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Personal injury protection (PIP)
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Roadside assistance
If You Live in Your RV
If you live full-time in your motorhome, you may need to get a particular type of policy that covers more than a standard RV insurance policy would. It includes coverage for damage that might happen while you’re parked, not just while you are driving.
If you aren’t sure what type of coverage you need. first ask your lender, then reach out to a qualified insurance agent that can help you determine which policy is best for you.
Call Riverside Insurance Agency Inc. serving Flowood, MS and surrounding areas to learn more about insurance for your recreational vehicle (RV) today.
