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Insurance Protection Specialists

5500 Plaza Drive, Ste A
Flowood, MS 39232

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Mississippi rv insurance coverage

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RV Insurance in Mississippi

RVs allow you to travel far without leaving home. Regardless of how you plan to use your recreational vehicle, you will need insurance against risks. In Mississippi, you can trust Insurance Protection Specialists in Flowood, MS to secure your home away from home.

Personal RV's Require At Least Minimum Coverage

Like all personal vehicles on Mississippi roads, personal RVs require minimum liability coverage. All vehicles must be insured for at least $25,000 for each person per accident, $50,000 total per accident for personal injuries, and $25,000 total per accident for damage to property. As with any personal automobile, this coverage is mandatory under state law.

Vehicle Cost May Require Larger Comprehensive Limit

Because RV's can be more expensive than a typical family car, owners may want to consider an insurance policy with a larger comprehensive limit. Your comprehensive coverage should be enough to include the RV's replacement value. Lending institutions often require enough comprehensive insurance coverage to satisfy any outstanding loans.

Liability Coverage May Not Be Sufficient

Minimum liability coverage is designed to protect people who were driving cars for transportation. However, RVs present a distinctive case, often requiring special insurance coverage. If you frequently use your RV for social events like tailgates, you may need additional personal injury coverage. Should an accident happen at a tailgate with dozens of people, minimum coverage may not protect you from personal injury lawsuits.

Additional Coverage for Belongings

Also unique to an RV is the higher potential cost for theft, vandalism, or damage. While RVs exist on the road like cars, they can contain furniture and appliances like homes. Make sure your insurance specialist creates a coverage plan to protect you from losses beyond normal vehicle risks.

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Serving Flowood, MS and beyond, IPS is here to help you. Contact Insurance Protection Specialists to secure your second home today!


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