Because you drive your RV, just as you would drive any other automobile, the state minimum auto insurance requirements apply to RVs, too. InsPeak, serving Arlington, TX, can help you obtain the appropriate coverage for your RV.

If you drive your RV on the Texas roads, you need to insure it for liability and property damage plus personal injury protection (PIP). The minimum insurance required includes:

• bodily injury coverage in the amount of $30,000 per person per accident,
• bodily injury coverage in the amount of $60,000 per accident total,
• property damage coverage in the amount of $25,000 per accident,
• PIP coverage in the amount of $2,500.

While the first three coverages protect those on the road with you, the PIP coverage protects you. In case you have a single-vehicle accident, your medical treatment is covered by the PIP up to $2,500.

Of course, you also need to protect your RV in the case of a single-vehicle accident or damage caused by a peril, such as a hail storm. For that you need to add on to the minimum required insurance. This would include collision and comprehensive coverages.

Collision coverage protects you from financial loss when your RV collides with anything – fence, mailbox, deer, etc. The deer or mailbox won’t have insurance coverage, but you will. This coverage pays for your RV’s damage repairs or its replacement if it gets totaled.

Comprehensive coverage protects your RV in cases of perils, such as rockslides, thunderstorms, hail, etc. When Mother Nature does damage to your RV, your comprehensive coverage picks up the bill for the repairs or replacement.

If you don’t drive your RV on Texas roads but instead park it and reside in it full time, you’ll still need RV insurance, but a type called full-timers. It covers your RV like homeowners insurance covers a house.

Contact InsPeak serving Arlington, TX, for more information on RV insurance. Let us help you insure your vehicle to meet the Texas legal requirements.

Since you want to get the convenience of home while exploring the country, you have gone ahead and invested in a recreational vehicle. Congratulations! You are about to immerse yourself in a world of limitless fun. But amid the excitement, have you thought about RV insurance? If your mind is still undecided, InsPeak of Arlington, TX, is here to guide your thoughts.

Is RV insurance needed in Texas?

It depends. If your RV is motorized (can propel itself), RV insurance is mandatory just like your vehicle. However, if your RV is towed, it is covered by the car insurance of the vehicle towing it. But whether RV insurance is compulsory or not, it’s a must-have investment.

Why do you need RV insurance?

As mentioned, you need RV insurance to comply with the requirements of Texas. However, you also need RV insurance to cover you in the below areas.

Liability protection

No matter how careful you are on the road, accidents can still happen. And if you are at fault, you could face significant liability claims that can hurt your finances if you haven’t invested in RV insurance.

To protect your asset

Since your RV act as a home and vehicle, acquiring it must have cost you blood, sweat, and soul. As such, it makes sense to protect your asset from perils like accidents, fire, theft, and other natural disasters.

For peace of mind

RVs are meant to be fun. But how can you have fun if you are always thinking about the consequences of an accident? Luckily, RV insurance can take away your worries because you know you are protected whenever the unthinkable happens while having fun.

Buy RV insurance today!

Shopping for RV insurance in Arlington, TX? Why don’t you get in touch with InsPeak for all your RV insurance options? We will provide you with coverage that protects you, your vehicle and your passengers at all times!

After investing in buying an RV vehicle, you need to protect your asset, but choosing the perfect policy can be confusing because many options are available for what is covered. To choose the personalized coverage that will cover what you need without over-insuring, speak to an agent from InsPeak that services the Arlington, TX area. They will help you choose what to include in the coverage depending on how you want to use your RV. Some people use it just for vacations a couple of times a year, but RV is a primary place of residence for others. No matter what cover you choose, getting specialized RV insurance will be more beneficial than relying on your auto insurance alone.

Campsite liability cover

Suppose your RV is damaged at a campsite, or you accidentally damage the campsite with your RV. In that case, the policy will help you settle your liability. The policies cover items like damages to the structure of the vehicle, personal liability, loss of use, and even the fire department call-out charges.

Emergency cover

If your RV breaks down far away from home, the insurance policy will ensure that you will not be stranded. The policy provides coverage for towing costs to the nearest mechanic, renting a substitute vehicle, cost of traveling and the cost of meals to get you back to the stable residence.

Full-time insurance

If your RV is your primary residence, you will also need to include the contents of the RV as well as the structure and emergency cover. Full-time insurance coverage also includes medical expenses for you and your family, as well as any visitors who are injured.

Owning an RV is a pleasure when you are protected from the times when things go wrong. Visit the InsPeak agents in Arlington, TX, to get the most out of your insurance policy.