The great advantage of an RV with its creature comforts is the mobile home away from home it provides. Given the variety and availability of RVs, it is a good idea to plan accordingly when obtaining Texas RV insurance quotes. The smart move is to buy the best protection for the best price by obtaining numerous Texas insurance quotes. While standard automobile insurance policies may extend to recreational vehicles, a good agent helps to navigate what may seem like complicated issues regarding coverage options and potential risks. Texas RV insurance rates are based upon the specific risks RV owners face in the operation, location or storing of their vehicles.
Insurance Coverages and Options
Texas RV insurance quotes include liability coverage as mandated by the state and may have to meet or exceed statutory limits. This is the main coverage to protect third-party liability. On public roadways there is a $60,000 maximum injury, $30,000 maximum per injured person and $25,000 maximum limit for property damage. It is reasonable to consider collision coverage in the event of an accident to protect the higher vehicle value associated with an RV. Comprehensive coverage is additional protection covering property for “other than collision” losses that may occur. This could include damage due to storms or as a result of theft. Optional coverage for contents, traveling out of state or roadside assistance such as towing, tire changes or jump starting are further protection to reduce exposure to loss.
Things to Consider When Shopping Texas Insurance Quotes
Texas RV insurance rates take into consideration the type of vehicle to insure. While the majority of policies cover motor homes and travel trailers, coverage is available for Class A, B and C motor homes, truck campers and trailers, including the popular fifth wheel type. Providers look for permanently attached accommodations such as cooking appliances, refrigeration, electrical systems, heating and air conditioning, sleeping areas and bathroom.
Where to Find Texas RV Insurance Quotes
Obtain comparison quotes easily online across different insurance company plans. There are also plans available through different membership organizations. There are different Texas RV insurance rates for a fixed-residence zip code, commercial use, full-time RV living or occasional use. If the RV is stored on a lot, check on coverage limitations and consider whether or not there is the need to expand this coverage. Existing auto insurance may or may not extend to storage or rental of RV units. Additional insurance through placement of specialized RV insurance may be best in anticipation of potential losses unique to RV exposures. A good agent can help make sense of these and all other pertinent details when seeking to obtain Texas RV insurance quotes.