RV Insurance 101: What You Should Know and Keep in Mind
Temperatures are starting to rise and that means a road trip could be coming up soon with Spring Break just around the corner! There may not be a better vehicle to take a nice and relaxing trip than a recreational vehicle. Motorhomes generally feature bedrooms, a kitchen and bathroom; they’re basically a home on wheels.
Purchasing one of these vehicles can be quite an investment. If there’s one thing that shouldn’t be overlooked after signing on the dotted line from a dealership, it’s an insurance policy. This is doubly important if you’re planning on taking the family on a trip.
Contact our insurance agency in McAllen today so we can connect you with the right insurance plan that best suits you and your family’s needs.
What it is and Covers
Like many automobile insurance contracts, a policy for an RV can cover the vehicle, its driver and passengers against a variety of damages and losses. It can also cover you should you find yourself in a wreck determined to have been your fault. Here are the basics to keep in mind.
With liability coverage, your insurance can pay for injuries and property damages incurred to another person if you were the cause of an accident. Liability insurance usually comes with a limit on the amount it can cover, so if you need a certain amount, it’s best to discuss this with us. Liability is required in Texas, so be sure to find the proper policy that fits your needs.
If you’re an RV owner who’s been involved in an accident with an uninsured driver, then this is where uninsured motorist coverage comes in handy. This policy can pay for any repairs and medical bills resulting from your accident. This is a great option to have since bills resulting from a wreck can be incredibly expensive and may last years. This can make your recovery more difficult as well as seriously affect your finances.
Comprehensive insurance can cover you and your vehicle with losses and damages resulting from something other than an accident, such as theft and vandalism. There are even provisions to cover damage caused by passengers. Comprehensive is also important to have since it can cover various other personal belongings in your RV, like kitchen equipment and/or electronics. It’s very important that you check for items listed on a comprehensive coverage policy.
What Should I Get?
If you live in Texas, then you must at least own liability insurance since it’s required by law. If you plan on or are already living year-round in your RV, then a full-time coverage plan is what you should take into consideration. This can be a mix of home and auto insurance, but make sure your insurer offers this as an option since not all do.
We’re Here for You
We understand that taking road trips are fun and allow for you to spend quality time with those you love. However, before packing your bags and hitting the road, set up a meeting with us to see which insurance policies best fit your needs. We want nothing more than for you to have peace of mind when it comes to taking a long-needed vacation. Contact our insurance agency in McAllen today to get started.
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