RVs or recreational vehicles are a great example of the
journey being just as important as the destination. Recreational vehicles let
people experience life on the roads while still retaining plenty of home
comforts. Like all drivers on the road, RV owners require insurance. However, RVs
are an entirely different breed of vehicle, so RV insurance is a little
Do You Need Recreational Vehicle Insurance in Texas?
Yes, you do. Since an RV is technically a vehicle and a home, you will have to select coverages that address the risks and liabilities both vehicles and houses are likely to face. RVs face many risks while being driven and parked, risks that can lead to expensive damages you will have to pay for out of pocket if you aren’t suitably insured.
While on the road, collisions and road emergencies are a significant risk. Once you park and your RV becomes a home, it is at risk of theft, fire, and natural disasters. You will need sufficient coverage against these risks so that in case of any incident. Incidents can mean someone breaks in, or you rear-end another driver. Your insurance can cover the cost of the damages.
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Motorhome Insurance for RVs
RVs are unique vehicles, and owners will select insurance coverage based on their vehicle and specific situation. Motorhome insurance covers you, your vehicle, and passengers for accidents, damages, and theft, whether the RV is being driven or parked.
You need special motorhome insurance if your vehicles fall within any of the following categories:
- Class A – Large, fully contained motorhomes
- Class B – Similar to vans, with taller ceilings and a longer wheelbase
- Class C – Mini-motorhome fashioned from vans or trucks
You may also need specific insurance for pop-up campers, “toy” haulers, all-terrain vehicles (ATVs), and horse trailers.
Coverage Options for Your Motorhome Policy
A standard motorhome insurance policy for a motorized unit will have liability, comprehensive, and collision coverage. Liability coverage will pay for third-party damages and medical expenses. On the other hand, comprehensive insurance covers extreme weather, natural disaster, theft, and vandalism, while collision coverage will pay for damages to your vehicle arising from a car accident.
On top of the standard motorhome insurance policy, you should also consider camper liability, insurance for full-time RVers, total loss coverage, and 24-hour roadside assistance.
A well-designed RV insurance policy will give you an extra sense of security and protect you from damages, whether you’re on the road or relaxing in an RV lot. VOS Insurance is a full-service, independent insurance agency serving the greater San Antonio-Austin area with over 20 years of combined industry experience. We’ve got your back, wherever you roam.
Contact us today to get started designing the perfect motorhome insurance policy.