St. Louis Recreational Vehicle Insurance

Protection that gives you peace of mind.

When you are enjoying your free time, you want to be able to sit back and relax—not worry about potential risks and loss. With St. Louis recreational vehicle insurance coverage, you can go mudding or travel the country without the “what-ifs” hanging over your head. 

The Benefits of Recreational Vehicle Insurance

When you purchase a recreational vehicle, you make a significant investment. You want to make sure that investment is adequately protected. Even though these aren’t likely to be your main method of transportation, insuring them comes with important benefits.

It’s Not Just the Vehicle That’s Covered

This is especially important with motor homes. Since you have so many items inside, many of which could be central to daily life, you want everything covered in the event of damage or theft.

The Policy Should Include Liability

Liability coverage is important with any vehicle, but recreational vehicles, such as ATVs, tend to be more dangerous than your typical sedan. As such, liability protection is essential for covering medical costs and protecting you from a lawsuit.

You Can Be Covered Outside of Crashes

While the number-one risk for recreational vehicles is a crash, they can be damaged by other events, such as fire or hail. With the right policy, you will be covered no matter the damage sustained.

It Can Cover Many Types of Vehicles

While recreational vehicles are often motorhomes, these policies can also cover boats, jet skis, motorcycles, ATVs, and even snowmobiles.

What Determines the Cost of a Recreational Vehicle Insurance Policy

Numerous factors determine the cost of your recreational vehicle insurance policy. These include:

The Extent
of the

The more coverage you get, the greater the price.


Motorhomes will cost more to insure than the average motorcycle because they are worth more.

The Age and Condition of the Vehicle

Older vehicles have a lower resale value than newer ones, and the better the condition, the higher the value. Policies are more expensive for higher value items.

Vehicle Usage

The more coverage you get, the greater the price.

Driving Record

Motorhomes will cost more to insure than the average motorcycle because they are worth more.

What McNeil Insurance Group Does for You

Navigating the insurance world is difficult, and when seeking a lesser-known type of coverage, such as recreational vehicle insurance, it gets even harder. McNeil Insurance Group serves as your guide, evaluating policies from over 20 different insurance providers to find the one that works best for you. 

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