Should You Insure Your RV for Texas Camping?

Especially in the summer months, it’s hard to beat camping in your recreational vehicle (RV) in Texas. Before enjoying all the Lone Star State has to offer, however, it’s important to make sure you have adequate insurance on your RV.

Types of Coverage

The following are key coverages to consider when it comes to insuring your RV:

• Collision coverage can help with repairs from accidents, regardless of fault. This can be helpful on your journey to and from your destination.
• Comprehensive coverage can help with costs related to damage from incidents such as fire, hail, or theft. The weather in Texas can be unpredictable, making this coverage a crucial consideration.
• Liability coverage can help if someone is injured or their property is damaged. This can come in handy if, for instance, someone trips getting into or exiting your RV.
• Personal belongings coverage can financially cover the items you have in your RV. Since it’s a home on wheels, your RV most likely has items of higher value.
• Roadside assistance is another important coverage to consider. This can help with repairs if your RV breaks down on the road.

Other Considerations

Even if you only use your RV to camp occasionally, keeping your RV insured is highly recommended—and in some cases, it’s legally required. Your RV may spend a good portion of the year unused or parked in a garage, but that doesn’t make it immune to damage. In fact, you can modify your coverage for the months your RV is stored off the road. Talk to your broker to learn more about this and other available options.

Contact Us

Let The Total Insurance in Houston, TX help you find the right insurance for your RV as you dive into the camping season. Contact us today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.