RV Insurance in Texas
Owning a recreational vehicle or RV is every American's dream. It is a massive investment that takes care of your home and travel needs. For that reason, you need to seriously think about insurance the same way you do when buying an RV. So, what should your Texas RV insurance cover? And how much coverage do you need? Here’s everything you need to know about RV insurance.
What is RV insurance?
RV insurance is a contract between you and your insurer promising to protect your RV as long as you pay premiums annually or semi-annually. All states except Virginia and New Hampshire require motorists to have insurance as proof of financial responsibility in an accident. However, travel trailers don’t require you to have insurance because you already have auto insurance for the vehicle.
What does it cover?
Recreational vehicle insurance is not very different from standard auto insurance. They cover the same risks, only that RV insurance has higher premiums than auto insurance. At Slaughter Insurance Agency, we recommend enquiring about other optional coverages to protect your personal belongings, equipment, and other accessories on board.
Basic coverages include:
- Bodily injury liability
- Collision
- Comprehensive
- Property damage liability
- Uninsured/Underinsured motorist
- Personal injury protection
Optional coverages include:
- Roadside assistance
- Vacation liability
- Vacation Liability
- Safety glass replacement
- Towing & labor
How much coverage do I need?
The amount of coverage to buy depends on your needs and how you intend to use your RV. If you intend to use your RV touring all of Texas, you may want to think about all of your RV insurance options. Your insurance provider in Quinlan, TX would also like to know more about you and your RV. They will use this information to guide you on which coverages to buy.
Need help buying RV insurance? Our dedicated team of professionals at Slaughter Insurance Agency in Quinlan, TX can help you find a customized policy just for you. Call us today!
