Understanding RV insurance

RV’s are a great way to travel, and often people don’t put a lot of thought into insuring these valuable vehicles.  The Select Insurance Agency in Coppell, TX, we can help you sort out the types of coverage and get a policy that will give you the protection you need. 

First, it is important to understand the types of RV’s, and there are two basic types.  There are motor homes and travel trailers. A motorhome is an RV with a motor attached, basically a truck with the camper built in. For this type of vehicle, you need what amounts to another car policy since it is a vehicle in its own right.  For it to be classified as a motorhome it must also have heat, water supply, and some other conveniences. A  travel trailer is a camper that you tow with another vehicle. Insurance on a trailer can be added to your other automotive policies, or you can get one by itself. The travel trailer insurance is much cheaper.

The types of coverage are essentially the same as those of your automobile. Colorado requires some liability coverage. Things like collision coverage and other types are optional but could be very valuable especially if you have a highly valuable motorhome. Comprehensive coverage, just like with your car, covers everything else. This could cover a tree falling on your travel trailer while parked in your driveway during a storm, for instance. There is also vacation liability coverage available, which is a little different than normal liability coverage which covers you while on the road. Vacation liability is not required, but it covers you while your camper is parked at a campsite.

Stop by or call us at the Select Insurance Agency in Coppell, TX to learn more about how to get the right coverage for your RV. New customers are welcome, and we encourage existing customers to visit to make sure they have an up to date policy that meets their needs.