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Maschoff Insurance Agency LLC

1451 NE 69th Place
Suite 45
Ankeny, IA 50023

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Iowa Motor Home Insurance Coverage

Motor Home Insurance in Iowa

A recreational vehicle is used for long family road trips and other quick getaways you take in Iowa. If you enjoy traveling with your motor home, you need to purchase a motor home insurance policy that fully protects your investment. Maschoff Insurance Agency LLC can help you find an indemnity plan that satisfies your adventurous lifestyle in Ankeny, IA.

What does motor home insurance cover?

A good motor home insurance plan covers everything from accidents to appliance breakdowns. A standard auto insurance policy in Iowa pays at least $20,000 per person ($40,000 per incident) for bodily injury and $15,000 for property damage. You, as an RV owner, may, of course, want to opt for more than the state’s minimum requirement.

A motor home has other components that can malfunction and cause destruction. Your RV is susceptible to damage by fire if you have a stove inside. Flooding may also be a factor if there is a toilet or shower in the camper.

Your insurance policy should be enough to cover hazards on the road as well as that inside of your motor home. An agent from Maschoff Insurance Agency LLC can give a complete breakdown of what you may need coverage for as a new or experienced motor home owner.

Does home insurance cover motor homes?

A good home insurance policy indeed pays for damages to your motor home while the vessel is on the premises. You, however, are solely responsible for financial losses when you drive your motor home away from your home.

It is not a good idea to rely on a standard home insurance policy to pay for your motor home, even if you only take your motor home for a spin once in a while. The policy limits on your home insurance plan may not be enough to cover all damages your motor home sustains, which means you must pay for repairs from your personal finances.

How much motor home insurance do you need?

It would be best if you had a motor home insurance policy that satisfies the state’s minimum when operating the vessel on the highways and in the city. You may also consider a policy covering all of your appliances while also guarding against financial losses caused by theft at campsites.

Do not wait for the unthinkable to become your reality. Call the agents at Maschoff Insurance Agency LLC today to request a quote for motor home insurance.

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Servicing States

  • Iowa
  • Missouri
  • Kansas


Partner Carriers

  • Columbia Insurance
  • Donegal
  • First Comp
  • Hagerty
  • Lemars
  • Liberty Mutual
  • Markel
  • Metlife
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Wellmark
  • West Bend
  • Zurich-US Assure