Recreational Vehicle Insurance in Sulphur Spring, TX
Traveling in a recreational vehicle (RV) allows you to take in the beauty of the outdoors without sacrificing the comforts of home. Yet, this lifestyle leaves you vulnerable to risks that may lead to financial loss or unexpected expenses. An RV insurance policy may help mitigate these risks, keeping you worry-free throughout your travels.
Why Is RV Insurance Important? 
RV insurance may provide financial assistance if your RV is stolen or damaged following a crash, fire or certain natural disasters. If you use loans to finance your RV or rent an RV for a trip, you will likely be required to purchase RV insurance.
If you own a motorhome (a drivable RV), Texas law requires you to carry proof of financial responsibility, which often means auto insurance with liability coverage. Liability for nonmotorized RVs, such as travel trailers and fifth wheels, may be covered by your auto insurance, but it generally won’t cover damage to the trailer itself. For these, it’s recommended that you purchase a separate RV insurance policy.
What Does an RV Insurance Policy Cover?
The types of coverage included in an RV insurance policy are different for each policyholder. Standard policies generally include the following essential protections:
- Liability coverage may compensate third parties for bodily injury and property damage involving your RV.
- Collision coverage may pay for your RV’s repair or replacement costs after a crash.
- Comprehensive coverage may cover damage from fire, theft, wind and other outside forces unrelated to a collision.
You can always upgrade your policy for more financial security. The following are some of the common optional coverages to choose from:
- Medical payments coverage may pay for medical treatments after an accident.
- Uninsured/underinsured motorist coverage may provide financial aid if you’re involved in an accident with an at-fault driver who has no insurance or does not have enough insurance to cover the damage.
- Roadside assistance coverage may cover the costs of emergency services if your car breaks down.
RV Insurance Near Me
Giles Insurance Agency in Sulphur Spring, TX, offers RV coverage that fits your lifestyle and budget. Contact us today to explore your options.