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RV Insurance

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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.

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:

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

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

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?

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.

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?

for each injured person

for injuries per incident

for property damage

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.

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

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

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:

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.

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

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.

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.

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

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.

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FAQ

1. Am I required by law to have RV insurance?

Yes. The state of Texas, like most other states, requires RV drivers to carry at least a minimum amount of insurance.

2. What is a “fifth wheel vehicle?”

Fifth wheel vehicles are campers or RVs that are pulled by another vehicle. The fifth wheel itself is a hitch that allows for the attachment of a cargo or other vehicle to the back of a truck or other large vehicle. The fifth wheel vehicle refers to the vehicle that is attached to the hitch.

3. What is a deductible?

A deductible is the amount that the insured must pay before the insurance coverage kicks in. For example, let’s say you incurred $5,000 of damages to your RV and your deductible is $1,000. The insurance company would pay you $4,000, and you would pay $1,000 out of pocket. The deductible amount is pre-set based on your policy, and you can choose the amount. Typically, a lower deductible will mean a higher premium and vice versa.

4. Does RV insurance work like car insurance?

In many ways, yes. RV will have a premium that you pay for the coverage, and your policy will have a deductible that you have to pay before the insurance kicks in. For example, if you had an accident and your vehicle required $2,000 of repairs and your deductible was $500, the insurance company will pay $1,500.

5. Will my RV insurance cover me if my travels take me to Canada or Mexico?

You will need the appropriate international coverage in place before you enter the foreign country. If international travel is in your plans, we can help you get covered beforehand.

6. Will my RV insurance pay for theft of my vehicle or property inside it?

Yes, comprehensive policies will provide some coverage for theft of the RV or items stored in it, but it’s im- portant to make sure that you have enough coverage for the items you may travel with.

7. What does a total loss or my RV/motorhome is totaled mean?

A total loss is determined when the cost to repair the RV exceeds its replacement cost. The insurance adjuster will assess your vehicle after an accident and determine if it can be repaired cost effectively. If not, it’s classified as a total loss, and in that case you will be paid what the insurance company believes the car to be worth.

8. What is the billing schedule for RV insurance?

We can arrange payments annually, twice a year, quarterly, or even monthly. In some cases, you can earn a discount by paying for the year upfront.

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