Missouri New Recreational Insurance coverages

Missouri New Recreational Insurance coverages

If you own a boat in Missouri, Progressive is excited to announce their NEW boat enhancements we know you will love and appreciate. As you may know, many Insurance companies will vary with their coverages they offer, as well as prices. Progressive is stepping up their game with these new coverages!

In Missouri, recreational vehicle (RV) owners have access to a variety of insurance coverages designed to protect their investments and enhance their travel experiences. Recent enhancements in recreational insurance offerings provide more comprehensive protection for RV enthusiasts.

New Coverage Options:

• Pest Damage Protection: This coverage assists with repair costs if your RV is damaged by wildlife, such as birds or raccoons.
• Roof Protection Plus®: Covers the repair or replacement of your motorhome’s roof, even if the damage results from normal wear and tear.
• Primary Replacement Cost Personal Effects: Offers coverage up to $10,000 for personal belongings within your watercraft, ensuring your items are protected.
• Carried Contents and Safety Riding Apparel Coverage: Designed for motorcycles and off-road vehicles, this coverage protects personal items and safety gear.

Which coverages can I get on my Boat Insurance policy?

Now offering Physical Damage deductible options of $250, $500, $1000, $2500, $5000 and $10,000 for watercraft. Generally, the higher deductible on your policy, the lower your monthly payments will be. See what you can save by altering your deductible.

NEW Primary Replacement Cost Personal Effects, up to $10,000 for watercraft.

Pest Damage Protection and Roof Protection Plus coverages are available for RV.

Carried Contents, and Safety Riding Apparel coverages for Motorcycle and off road vehicles.

Standard Coverage Options:

• Liability Insurance: Mandatory in Missouri, this covers bodily injury and property damage if you’re at fault in an accident. The state’s minimum liability coverage is typically expressed as 25/50/10, which means:
  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $10,000 property damage coverage per accident
• Collision and Comprehensive Coverage: While not required by law, these coverages protect against damages from accidents, theft, vandalism, and natural disasters. They may be required by lenders if your RV is financed.
• Uninsured/Underinsured Motorist Coverage: Provides protection if you’re involved in an accident with a driver who lacks adequate insurance.

Additional Considerations:

• Full-Timer Coverage: If you use your RV as a primary residence, this coverage offers protections similar to homeowners insurance, including personal liability and personal property coverage.
• Emergency Expense Coverage: Assists with costs like lodging and transportation if your RV becomes uninhabitable due to a covered event.

Recommendations for RV Owners in Missouri:

• Assess Your Needs: Consider how often you use your RV, whether it’s your primary residence, and the value of personal belongings inside to determine appropriate coverage levels.
• Consult with Insurance Providers: Discuss available coverages with insurance agents to tailor a policy that fits your specific requirements.
• Stay Informed: Regularly review your policy and stay updated on new coverage options to ensure optimal protection for your recreational activities.

By understanding and selecting the appropriate insurance coverages, Missouri RV owners can enjoy their adventures with peace of mind, knowing they are well-protected against potential risks.

Last Updated on January 13, 2025 by Marlon Moss