What Does Standard RV Insurance Cover, and What Are Your Add-on Options?

Posted on October 31, 2026October 26, 2026 by admin

If you’re shopping for RV insurance, you want to make sure that you’re being as thorough as possible and getting everything you need to protect your vehicles. That being said, recreational insurance can be challenging to shop for the first time. We’re here to help! If you’re looking for RV insurance, we’ll walk you through what standard plans cover and what your add-on options are. Once you’re ready to secure a plan, you can come to us at Riverside Insurance Agency Inc., serving Byram, MS, for help getting the right recreational insurance for your budget and needs!

What Do You Get With Recreational Insurance, and What Can You Buy for a Little Extra?

Generally, the standard recreational insurance policy is going to cover the basics, which include injury and property damage liability and collision coverage. If you don’t mind paying a little more, you can get comprehensive coverage, which can help you pay for non-collision-related events, which can be important when you’re in a vehicle where the likelihood of a random event happening outdoors is higher. Speaking to add-ons, you might wish to invest in vacation liability, which covers you when your RV is parked at a campsite, emergency expense or trip interruption insurance, which covers you should something happen and you need food and lodging, and roadside assistance, which provides you with support if your RV breaks down, just to name a few. Keep in mind that recreational insurance is a broad umbrella term, so there may be specific add-ons you’ll wish to choose for your specific vehicle.

Compare Policies With Riverside Insurance Agency Inc.

Here at Riverside Insurance Agency Inc., serving Byram, MS, we’re always ready to help you find your desired insurance policy, be it recreational insurance or beyond. Compare quotes with us today to get started!

What Are the State Laws for Recreational Vehicle Insurance in Flowood, MS?

Posted on November 26, 2025November 7, 2025 by admin

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:

Uninsured motorist protection
Personal injury protection (PIP)
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.