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Go Where the Open Road Takes You, With Confidence

Recreational vehicles or RVs are a little piece of America. They provide the opportunity to travel, see the country, and live life at your pace. Securing the right RV insurance will give you the confidence travel the open roads knowing your home on the road is well-protected.

What Does RV Insurance Protect?


The right RV insurance policy will protect you and your passengers, your RV, and your personal property in the event of an accident. It can also protect you against theft, vandalism, or damage that could occur outside of a driving accident, like branches or other objects hitting your vehicle.

Accident

Theft

Vandalism

Damage

Does the Insurance I Need Vary Based on the Type of Rv?


Yes. Not all recreational vehicles are the same, and likewise RV insurance also varies. The term RV encompasses quite a few different vehicles, ranging from luxury motor coaches to a cargo van with a camper attachment. The type of insurance you need will depend on how your vehicle is classified.
The Classes of RVs and the Vehicles They Include Are:

CLASS A

Luxury motor coaches, converted buses, and standard motor coaches. Up to 75 feet long.

CLASS B

Camper vans, cargo van designs, and travel trailers. Generally, the smallest class of RVs.

CLASS C

Cab Overs, RVs where the camper portion extends over the cab of a cargo van and travel trailers, trailers that do not have a motor and are towed by other vehicles.


What Is Liability Coverage for RV Insurance?

Bodily Injury Coverage

This coverage will pay for injuries suffered by others by accidents you cause. Your policy will set limits for how much can be paid to each person injured and a total for the entire accident.

For example, let’s say that your limits are set to $50,000 per person and $100,000 total. If you cause an accident that injures three people, and person A’s medical bills are $25,000, person B’s are $40,000, and person C’s are $20,000, you’re covered as each falls below $50,000 and the total is $85,000, below the $100,000 limit.

Property Damage Coverage

This is the maximum amount that your policy will pay for damage to the property of others, either a vehicle or other property. Typical limits for this coverage range from $25,000 up to $100,000.

What Is Collision Insurance and How Does It Work?

Collision Insurance protects your RV from the damage caused by an accident that you or someone else may have caused. Accidents can include those that occur with other vehicles and those that involve inanimate objects, like buildings or guardrails, or a hit and run situation.

What Is Comprehensive Insurance and What Does It Cover?

Comprehensive Insurance is also referred to as “other than collision” as it covers scenarios not covered by collision. It is an optional coverage that protects you against things you cannot control. Some common items covered here include, accidents with animals, flooding, falling trees or objects, theft, glass or windshield damage, and vandalism

When combined with collision insurance, comprehensive and collision coverages commonly referred to as “full coverage.” While giving you the best chance of having all your claims paid, be aware that there are still exclusions on most RV policies.

It’s important to talk to your RV insurance agent to discuss any particular coverages you are considering.

How Much RV Insurance Do I Need?

RV insurance is organized similarly to other types of motor vehicle insurance, and like other road vehicles, the State of Texas requires every RV to have a minimum level of insurance:
$30K-500K

for each injured person

$60K-500K

for injuries per incident

$25K-500K

for property damage

As is the case with cars and motorcycles, the minimum coverages only protect you against bodily injury and your liability to others. The minimums don’t cover damage to your vehicle, and they quite often are insufficient to protect you in case of an accident. RVs tend to be some of the heavier and larger vehicles on the road, resulting in more severe claims. Make sure you are adequately protecting you and your loved ones by purchasing the right amount of coverage.
THE RIGHT LEVEL OF COVERAGE WILL DEPEND ON SEVERAL FACTORS, INCLUDING:

Your amount of use

The more you use the RV and spend time in it, the more comprehensive coverage you should opt for. A lower deductible may also be a good idea because of the high frequency of use.

Location of use

Will you travel around the country and possibly outside of the US? Extensive travel and international trips can involve greater risks.

The value and customization of the vehicle

More complex, customized vehicles with high-end features and amenities require greater insurance, as they will cost more to fix in the event of an accident.

How Much Is RV Insurance?


RV insurance costs vary significantly depending on the class of the vehicle. For example, the overall annual cost to insure an RV ranges from around $700 to $2,500/year, but Class A motorhomes can cost in excess of $3,000/year to insure.

Ways to Save on RV Insurance

Good Driving Record

Claims Free History

Bundling with Home and Auto

Original RV Owner


Your Texan Insurance agent can help evaluate your specific factors to achieve the best value for your insurance dollar.

What Additional Coverages Should I Consider for My RV?

In addition to liability, collision, and comprehensive coverage, it’s worthwhile to consider some optional extras when purchasing RV insurance:

Uninsured/Under-insured Motorist

As with other motor vehicles, you should consider the risk that may arise in the case of an accident with an uninsured or underinsured motorist. As RVs are larger, heavier vehicles, they can create significant liability in the case of an accident.

Adjacent Structure Coverage

This insurance protects structures around your RV, such as a garage or shed.

Trip Insurance

If you’re on a long vacation during which plan to live in your RV, you may need coverage for transportation and living expenses while you cannot use the RV due to accident or damage.

Roadside Assistance

This pays out if you have a roadside breakdown (everything from running out of gas to mechanical problems) or need to be towed for repairs.

Custom Parts and Equipment

If your RV is highly customized, you may need additional coverage.

Pet Insurance

If your pets hit the road with you, it might be worth considering insurance in case they need medical care while you’re away from home.

Call us at 281-998-2500 or click below to get started!

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