Does my RV insurance in Olathe KS cover every driver in my household?

Whether or not you need to insure your RV depends on whether your RV is a motorized vehicle or if it is something towed along by something else, such as a pop-up camper or travel trailer. If you do have a motorized RV in Olathe, KS, you do need to make sure you have the proper insurance to protect your assets. At  AHI Group, we can help you make sure you have the coverage you need.

Legal Requirements

If your RV is self-propelled, you need to have coverage much like regular automobile coverage. 

  • Liability insurance will pay other people’s property damage and medical bills if you are found to be at fault in an accident. The state has minimums, but you can speak to your agent about whether you are comfortable with minimal coverage.
  • Personal injury protection (PIP) pays medical bills for you and your family after an accident, no matter who is at fault.
  • Uninsured motorist protection helps you if you are in a collision with an uninsured motorist.

Who Is Insured to Drive?

When you fill out your insurance application in Olathe, KS, you will be asked to list your household members. During that time, you will list all the people who will be driving the RV. An RV is a serious piece of equipment, and it is important that you are honest about who will be behind the wheel. 

RV insurance usually follows the vehicle, not the driver. That means that the claim will probably be paid, but you need to add anyone who will be a regular driver. If anything changes while you have the policy, you should contact your insurance company right away. If you have any questions about RV coverage, please feel free to call AHI Group today.

Kansas RV Insurance: Are You Prepared?

Embarking on an RV adventure is an exciting way to explore the beautiful state of Kansas and beyond. However, it’s crucial to ensure you’re well-prepared for the journey by securing the right insurance coverage. Here we delve into the importance of Kansas RV insurance and spotlight the services of AHI Group in Olathe, KS to help you navigate your options and stay protected on the road.

About RV Insurance

The open road can present numerous challenges and risks, making it vital for RV owners in Kansas to have adequate insurance coverage. AHI Group, a trusted insurance agency in Olathe, KS, offers tailored policies to fit the unique needs of RV enthusiasts, ensuring that they can travel with confidence.

Kansas RV insurance typically encompasses several components, including liability coverage, collision coverage, comprehensive coverage, and additional optional coverages. Liability coverage protects you in case you’re at fault in an accident, while collision and comprehensive coverages safeguard your RV against damage from accidents, theft, and other perils. It’s essential to work with an experienced insurance agency like ours to determine the appropriate levels of coverage for your specific RV and travel plans.

We can provide you with customized RV insurance solutions. Our  team of professionals is dedicated to helping you understand your options and crafting a policy that addresses your unique needs and concerns.

Give Us A Call

Securing the right Kansas RV insurance is an essential aspect of preparing for your adventures on the open road. By partnering with a dependable agency like AHI Group serving the greater Olathe, KS community, you can ensure that your RV and its occupants are protected, giving you peace of mind to enjoy the journey ahead. Don’t let insurance concerns put the brakes on your RV escapades – contact us today for a seamless and comprehensive insurance experience.

Three common misconceptions you should be aware of about RV insurance

As the owner of a recreational vehicle, you need to find the right RV insurance option for your situation. AHI Group offers RV insurance to consumers in the greater Olathe, KS community. We can help you get the information you need to make the right decisions about RV insurance coverage.

The following are three common misconceptions you should be aware of about RV insurance:

There aren’t any major differences between RV insurance and auto insurance

RV insurance policies are not the same as auto insurance policies. Although there are some similarities, RV insurance offers some helpful features like extended liability coverage and full-time coverage for those who live in their RV. 

RV insurance always includes roadside assistance

Having roadside assistance is important because roadside assistance gives you a service to rely on if your RV breaks down or becomes involved in an accident.

With roadside assistance, you can have a tow truck come out to your location and bring your vehicle to a mechanic shop if you are involved in an accident. This way, you will not be left stranded. Roadside assistance can be a real lifesaver when you’re dealing with an RV accident or breakdown. 

Premiums are more expensive for RV insurance

One of the most appealing details about RV insurance is that it is often less expensive than standard auto insurance. Insurance providers sometimes charge less for RV insurance since RV use tends to involve fewer risks than standard automobile usage. 

Contact Us Today

Let us come to your assistance so that you can choose an RV insurance policy in Olathe, KS. At AHI Group, we’re devoted to helping our clients to meet their insurance coverage needs and protect their financial health.