Recreational Vehicle Insurance in Pekin and Peoria, IL

Insurance for RV Owners Across Illinois, Florida, Wisconsin, Tennessee, Colorado and Montana 

Recreational vehicles are fun ways to get away, travel and enjoy great weather. From motorcycles to campers to trailers, your RVs need a reliable insurance policy to protect you against accidents on the road. 

The agents at Monge, Crouch & Mahoney, Inc. are dedicated to building relationships with clients to provide a quality, personalized experience and affordable insurance. We will work with you to tailor an RV insurance policy to your coverage and budget needs. 

What Does Recreational Vehicle Insurance Cover? 

Recreational vehicle insurance (RV insurance) covers a variety of different vehicles. Vehicles that may be covered under RV insurance include: 

• Campers and trailers 
• Scooters and segways 
• Golf carts 
• Motorcycles 
• Dirt bikes 
• ATVs 
• Snowmobiles 

An RV insurance policy will offer compensation for financial loss concerning your RV, such as damages to the vehicle or wrecks involving other vehicles. A lot of the coverages available for your RV are similar to those available on your car insurance policy, such as: 

• Comprehensive Coverage: Comprehensive coverage provides compensation for damages to the RV caused by fire, wind, hail, theft, vandalism and more. 
• Collision Coverage: Collision coverage provides compensation for damages to the RV caused by a collision with another vehicle or object. 
• Liability: Liability insurance covers property damage and bodily injury you may cause to others while operating the RV. 
• Medical Payments: Medical payments coverage provides compensation for you and your passenger’s medical bills after an accident, no matter who is declared at-fault. 
• Uninsured/Underinsured Motorist: Uninsured/underinsured motorist coverage covers damages related to an accident involving another driver who is not carrying enough (or any) insurance at the time of the accident. 

Depending on the type of recreational vehicle you are looking to insure, you can also purchase additional coverages for unique dangers, such as guest passenger liability and tailored customized items coverage. Campers can also receive additional coverage for full time use and vacation use. 

Is Motorcycle Insurance Required? 

Motorcycle insurance is required in most states. Florida is one of the only states that does not require bikers to carry motorcycle insurance. Other state motorcycle requirements are generally the same as the requirements for your car insurance. 

Is RV Insurance Cheaper than Car Insurance? 

On average, RV insurance may cost around $1,500 a year, which is about $125 a month. This depends on a variety of factors, however, such as the class and value of your vehicle, your coverage limits and your driving record. Heavier or more dangerous vehicles may cost more to insure. Speak with a professional at Monge, Crouch & Mahoney, Inc. about how much you can save on RV insurance. 

Insure with Monge, Crouch & Mahoney, Inc. Today 

RV insurance shouldn’t be difficult or expensive. Monge, Crouch & Mahoney, Inc. is committed to bringing you reliable policies at affordable prices. Find the perfect policy easily by calling us at 309.347.7706 or filling out an online quote form today. 

Common RV Insurance Questions 

What is Recreational Vehicle Insurance? 

RV Insurance is a combination of coverages designed specifically to cover your recreational vehicles from damage and liability. 

What Does Boat Insurance Cover? 

Boat insurance can cover physical damage to your boat, liability, guest passenger liability and injuries you or your passengers may sustain on the boat. There is also coverage available for the equipment and items you leave on the boat. 

Do I Need Recreational Vehicle Insurance? 

Normal car insurance generally won’t cover recreational vehicles. While a home insurance policy can cover a limited amount of damage to your boat, it may not be enough for full coverage while you’re out on the water. 

What Kind of Insurance Do You Need for an RV? 

Recreational vehicles should be covered under a tailored RV insurance policy. Each RV is different and may need different types of coverage, so speak with an agent today at 309.347.7706 to talk about the type of insurance you need.