Recreational Vehicle Insurance

Just like a car, you need to carry minimum amounts of liability coverage for your recreational vehicle (RV). Contact Vista Insurance in Waco, Texas, to learn more about RV insurance coverage.   

How Does RV Insurance Work? 

 

Your RV insurance is a binding contract between you and your insurer. Your insurer is obligated to help pay for covered losses, up to your policy limits, if you’re in an accident while your policy is active. You can file a claim with your insurance company to be reimbursed for damages if you cause property damage or physical injuries to third parties while driving your RV. The exact coverage you receive will vary with your insurer and the types of insurance policies you purchase.  

How Much RV Insurance Do I Need? 

 

In Texas, RV owners are required to carry minimum amounts of liability coverage for all motorized RVs. You may not need liability insurance if your RV isn’t self-powered.  

The following are examples of the liability coverage you may need to purchase: 

• Property damage coverage may help pay for necessary repairs or replacements if you cause third-party property damage while driving your RV.
• Bodily injury coverage may help cover expenses (e.g., legal fees and medical bills) if you cause physical injuries to third parties with your RV. 

What Does RV Insurance Cover? 

 

RVs are multi-use vehicles that can be used to travel or as a full-time residence. State requirements may be insufficient to meet your coverage needs. You may want to consider additional RV coverage to protect yourself, your passengers and your RV from costly losses. 

The following are examples of additional RV coverages that may be available:  

• Medical payments coverage (MedPay)
• Uninsured/underinsured insurance
• Collision insurance
• Total loss replacement insurance
• Pest damage insurance
• Roof protection insurance
• Comprehensive insurance
• Roadside assistance 

What Does RV Insurance Cost? 

 

Just as your RV insurance needs are unique, so is the cost of your premiums. Your RV rates may vary with several factors, including the following: 

• RV usage (e.g., vacation rental or permanent residence)
• Coverage types and limits
• Claims history
• Type and model
• Driving record
• Number of miles driven 

The agents at Vista Insurance can help you get started with a customized RV insurance quote.