RV Insurance in Texas
Your car insurance policies may extend to a recreational vehicle, but you should also have RV insurance that is specific to your type of vehicle in Texas. Alloy Insurance Partners offers RV insurance to cover travel trailers and motorhomes of all types.
What Types of Recreational Vehicles Does RV Insurance Cover?
RV insurance covers motor homes that have permanently attached living quarters and operate with their own engine. This includes stoves, refrigerators, bathrooms, heating and air conditioning, potable water and an electrical system.
Travel trailers and campers that are towed behind a vehicle also qualify for RV insurance. They should have an area for cooking and sleeping in them.
What are the Minimum Coverage Amounts for RV Insurance?
In the state of Texas, the minimum coverage amounts are the same as they are for your car insurance. The state minimum liability insurance is $25,000 for property damage, $60,000 injury and $30,000 maximum for each person that is injured.
Other Policy Options for RV Insurance
In addition to the Texas minimum coverage, you can choose several other options on your policy to make certain your investment is covered properly. Collision coverage insures damages to your RV that may occur in an accident. Comprehensive coverage covers damages to your property from any other source than a collision or crash. This can include vandalism and storm damages. Contents insurance covers all of the items inside of your RV. If you travel out of state from Texas, or even out of the country, talk to your representative about this type of coverage. You can also add roadside assistance to your policy to cover breakdowns, flat tires, and towing charges.
Securing the correct type of RV insurance can be quite a task. Our knowledgeable and experienced representatives throughout Texas are here to help you. You can use our online tool at Alloy Insurance Partners LLC to get started on a quote.