Rock Island Insurance specializes in Camper & RV Insurance in Lake Ozark
Adventure Awaits. Protect Your Home on the Road
Your RV or camper is more than a vehicle — it’s your home on the road. Whether you’re exploring the country or enjoying weekends at the lake, you want the right protection in place.
Standard auto or Homeowners coverage often leaves gaps. With a policy designed specifically for RVs and campers, Rock Island Insurance can help keep your travels worry-free.
We’ll find you comprehensive protection that covers you, your passengers, your RV, and your personal belongings — so you can enjoy the journey without stress.
Do you know what to look for in an RV insurance policy? Rock Island Insurance can help you determine the right coverage to fit your lifestyle. Contact us today to get started.
Lake Ozark Camper & RV insurance coverages
Liability Coverage
Liability coverage protects you if you cause an accident that results in property damage or bodily injury to others. This coverage applies both on the road and at campsites in many cases. It ensures that repair costs, medical bills, and legal fees are taken care of, giving you peace of mind while traveling.
Collision & Comprehensive
Collision coverage pays to repair or replace your RV if it is damaged in an accident. Comprehensive coverage protects against theft, vandalism, fire, storms, or falling objects. Together, they ensure that you are financially protected whether you’re on the highway or parked at a campground.
Medical Payments
Medical payments coverage will pay for the cost of needed care after an accident, no matter who is at fault. Coverage is available from $500 to $10,000 and applies to you, your passengers, and sometimes others involved in an accident. It also covers medical services that may not be included in your health insurance, including emergency care while traveling.
Uninsured/Underinsured Motorist
If you’re hit by a driver who doesn’t carry enough insurance, this coverage helps pay for medical treatment, lost wages, and other costs. It protects you against financial exposure in accidents with drivers who are uninsured or underinsured. This coverage is critical for RV owners who frequently travel across state lines.
Personal Belongings Coverage
Covers your personal items inside the RV, including electronics, clothing, camping equipment, and kitchen appliances. Policies may also provide protection for items stolen while the RV is parked or left at a campsite. Limits vary by policy, so it’s important to review what’s included and add endorsements if needed.
Vacation Liability
Provides Liability Protection while your RV is parked and used as a temporary home. This includes coverage for guests, accidental injuries, or damage caused to campground property. It ensures you’re covered even when you’re not driving the vehicle.
Emergency Assistance
Covers roadside help, towing, and fuel delivery if your RV becomes disabled. Some policies also cover temporary accommodation or trip interruption costs in the event of a breakdown. This coverage is especially valuable when traveling in remote areas.
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Ready to protect your RV or camper?
Head over to our Quotes page or give our office a call, and we’ll walk you through the process.