If you plan on taking a road trip during the summer months, you have probably considered buying or renting an RV. For people who don’t know, RV stands for recreational vehicle. If you go that route, there are certain steps that you need to take before you hop into the RV and drive. One of these steps is getting insurance for your recreational vehicle.

What is RV insurance?

RV insurance is insurance protection for a recreational vehicle or RV. A few different types of coverage are available, including property damage and bodily injury liability coverage, personal property coverage, comprehensive and collision coverage, and uninsured or underinsured motorist coverage.

Who needs RV insurance?

You should probably get RV insurance if you have an RV or plan to own or rent one soon. Most states in the United States require drivers to have a minimum amount of liability coverage. How much you need to reach the minimum amount depends on the state you are in.

On top of the required liability insurance, Texas also requires uninsured or underinsured motorist coverage.

Even if insurance weren’t required, it would still be a good idea to have RV insurance. If an accident happens and you don’t have insurance, you could be responsible for thousands of dollars worth of damage with no way to pay it all off. 

Here’s how this would work. Let’s say you caused an accident in your RV. The other driver would file a liability claim on your insurance policy. Your insurance would pay for the damage and injuries to the other party. If you don’t have enough insurance coverage to cover it, the other party could sue for the damage and medical costs.

Contact Rasor Insurance

To get a quote for your RV insurance, call us at Rasor Insurance in Celina, TX.

An RV can be the ideal solution when you want to live on the road and tour the country. Specifically to Texas, you’ll need RV insurance with the below minimum liability coverage:

• $30,000 in bodily injury per person
• $60,000 in total bodily injury per accident
• $25,000 in property damage per accident

While it may be tempting to roll with the lowest level of required insurance to save money, this can prove exponentially costly in an accident. Driving an RV takes care, patience, and attention, with even the smallest accidents leading to expensive repairs for yourself and anyone that you injure or hit. Consequently, it is doubtful that the minimum liability coverage as required by Texas will be adequate to prevent you from having out-of-pocket expenses during an accident. 

In addition to liability coverage to help pay for medical bills and legal fees associated with injuring or damaging a third party person or their property, most RV insurances also include comprehensive and collision coverage that helps pay to repair or replace your RV. You may even be required to carry these coverages if you are financing the RV. If you live in your RV full-time, you’ll want to specify that with your insurance provider as you’ll likely need additional coverage. Other coverages that you may want to consider include pest damage protection, replacement cost, roadside assistance, and total loss replacement. 

Hit the road today and call Rasor Insurance in Celina, TX to learn more about our RV insurance options. We’ll help customize a policy that meets all your needs while protecting your assets. Stop by our conveniently located office or give us a call today to learn more information. 

 

If you are in the Celina, TX area and want to enjoy all that the state has to offer, investing in an RV could be a great idea. With an RV, you will have the ability to travel all over the state and country while having a convenient place to sleep when not on the road. While an RV can bring you a lot of fun and joy, it is also an important asset you need for proper insurance. There are a lot of situations when someone will need RV insurance here.

People that Have a Loan Outstanding

A situation when a lot of people will need RV insurance is when they have an outstanding loan. Buying an RV is a major investment that will require a loan for a lot of owners. To ensure that their loan is secured, a lender will require that RV owners have a full collision and comprehensive coverage plan.

Insurance Needed When Driving

All motorists need to have liability insurance in Texas. For those that are going to drive an RV, you need to at least have an RV insurance plan with a liability insurance component that complies with state law. This can guarantee that you can cover damages if you cause an accident when on the road. 

If you want to evaluate your RV insurance needs and are in the Celina, TX area, it would be wise to call Rasor Insurance. Anyone looking for an RV insurance plan should make sure that they are assessing all of their needs and options. The team at Rasor Insurance can give you the support needed to choose a new insurance plan that is right for your situation. 

RVs have additional liability when it comes to insurance. Depending on the type of RV, it can be considered a home and will need both homeowners and regular auto insurance. Insurance providers often include both types of insurance in a policy. Trailer and pull along RVs require trailer insurance.

If you own an RV in Texas, the agents at Rasor Insurance in Celina, TX can help you with your RV insurance needs. There are options to choose from depending on the type of RV you own. Some different types of coverage available include:

Different types of RV insurance

There are different types of insurance, like liability insurance, which covers costs when you are responsible for a collision with your RV. There is collision insurance that will compensate you when you sustain damage to your RV regardless of fault. And also, comprehensive insurance covers damage in non-accident related scenarios such as natural disasters. There are also some other types of RV insurance your agent can discuss with you when you get coverage.

Standalone RVs

If you need home-related coverage for standalone motorized RVs, there are some options to choose from. Different types of home RV insurance include contents insurance, which covers belongings inside your RV, including appliances and clothing. There is also full-timer liability insurance, which covers individuals that reside in their RV more than six months out of the year. If you use your RV primarily for vacation, then vacation liability insurance covers shorter durations that you reside in your RV for extended trips.

Give us a call at Rasor Insurance in Celina, TX. We have qualified agents that will be happy to help you out with all your insurance needs.