Recreational Vehicle Insurance in Garland, TX

Motorhomes, campers, travel trailers and other recreational vehicles (RVs) can provide convenient and enjoyable accommodations as you explore the world. However, like all motor vehicles, RVs include inherent risks and exposures, and even the most responsible and experienced travelers may eventually be involved in accidents or other incidents. With this in mind, having RV insurance should be one of your top priorities.

What Is Full-Time RV Insurance Coverage?

In many ways, RV insurance policies may function similarly to standard auto coverage. These two types of insurance may include many of the same core components and may also be customized to suit your unique circumstances, including needs, preferences and budget. One of the most comprehensive features of an RV insurance policy is full-time RV coverage.

In contrast to part-time coverage, which may be suitable for those who travel in and use their RVs sporadically, full-time RV insurance is generally advisable if you use your vehicle as a primary residence and live or travel in it for more than six months of the year. Full-time policies typically provide more versatile and robust coverage than their part-time counterparts and may specifically be different by including the following features:

• Personal liability coverage—This coverage may help pay for third-party losses for which you are at fault that occur while your RV is parked.
• Medical payments coverage—This coverage may provide financial assistance for health care costs if you or your passengers are injured inside or near your RV.
• Loss assessment coverage—This coverage may help you recoup fees charged by an association to cover common area maintenance or repairs at a location where you’re parked.

What Type of Insurance Do I Need for My RV?

Full-time RV insurance may be necessary if you use your vehicle as your primary residence. In contrast, part-time coverage may be appropriate if you only use your RV to camp and travel sporadically. In many cases, the following features of RV insurance may be advisable regardless:

• Bodily injury liability coverage
• Property damage liability coverage
• Medical payments coverage
• Personal injury protection
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage
• Contents coverage
• Campsite/vacation liability coverage

What Are the Requirements for RV Insurance in Texas?

Texas law requires you to carry minimum levels of bodily injury liability and property damage liability coverage for RVs that are driven rather than towed by another vehicle. In contrast, travel trailers and fifth wheels may be covered for liability as long as the towing vehicle is adequately insured, although additional coverage is still needed for damage to your own RV. Fulfilling these legal requirements may not be enough to fully secure your vehicle and finances, as additional coverage is likely needed to ensure you can maintain and repair your RV or otherwise manage losses and damages.

Get the Right Coverage

With nearly 20 years of experience serving the coverage needs of families, individuals and businesses in Garland, TX, Allsafe Insurance is well-equipped to help you assess and address your RV insurance needs. Contact us today to get started.