What RV Insurance Coverages Are Available?

As the season will soon change from summer to autumn, some clients will be switching from the open waters of Lake Travis in Austin to the calm rustle of trails at locations Garner State Park or hiking Enchanted Rock and The Hill Country. Who needs the stress of airports, rental cars, and hotels if you have a motorhome or travel trailer to enjoy the cooler evenings? You can simply pick up and travel with your home on the go —in the pursuit of campfires and smores!

Britton and Britton Insurance helps you customize your RV protection at a price you can afford – and optional features for fully loaded benefits. Learn more about RV insurance costs, rate quotes, and coverage.

Your recreational vehicle (RV) is more than an automobile, however, it is not quite a house. RV insurance is different than both car and homeowner insurance. That is why motorhomes, travel trailers, and campers need custom coverage. As your personal agent, we can answer your question so you can make the best decision about your coverage choices.

In Texas, you are required to carry bodily injury and property damage liability on your motorhome or any other motorized vehicle. If you are pulling a travel trailer liability could be transferred from your auto insurance policy while towing your camper. That being said, if you are not towing the travel trailer then you will have no liability coverage on your camper.

Travel trailers are not motorized, and insurance may be optional if choose to self-insure for your personal property and physical damage. If you are financing your travel trailer, the lender or bank will typically require you to carry physical damage coverages.

Motorhome insurance coverage may include liability, collision, comprehensive, uninsured motorist, medical payments, towing and roadside assistance, and in some ways similar to your auto policy. RV insurance may have additional options available such as Total Loss Replacement, Agreed Value, Vacation liability, coverage for your personal effects, and contents inside your RV or motorhome.

Britton Insurance offers policies that serve the unique needs of full-time RVers. If your RV is your primary home, you need to add the full-timers package to your policy. Full time is typically defined as residing in a motorhome or travel trailer more than six months out of the year; or as a primary home. Coverage depends on the type of policy you select and the option you customize. However, you could be covered against broader liabilities, injuries, and certain losses that occur around your RV. Important note: If you file a claim while using your RV as a permanent residence and you don’t have full-time RV insurance, your insurer may deny your claim.

Traditionally a roof leak would be part of the insurance plan if a covered peril first caused the roof to leak. For example, a tree branch snapped in a storm and fell resulting in a hole in the roof where water was then able to leak enter. This type of loss would fall under the deductible for comprehensive coverage of the policy and should pay to repair the roof leak since the wind and hailstorm were the root cause of the damage.

Some insurance companies offer new enhanced options that are less typical of older coverage plans such as; Roof Protection Plus and an endorsement or an option for Pest at an additional charge. Traditionally excluded on RV policies the insurance carriers realize there is a need and have offered a buy-in option for additional coverage. Ask your Britton and Britton independent insurance agent to quote these with your policy. Start your quote now https://www.brittonandbritton.com/get-a-quote/

Not only can we insure your RV; we have a multitude of insurance coverages for all recreational vehicles. Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes). Your personal Britton and Britton Insurance Agent can also quote a policy for sport utility recreational vehicles. 5th wheel, travel trailers, campers, towable RV’s, Conventional travel trailers, travel trailers with expandable ends, folding camper trailers, truck campers, ATVs, motorcycles, and watercrafts.

You may also lower your insurance cost with auto, boat, umbrella liability, and home insurance bundle. Follow this link to begin your quote now. https://www.brittonandbritton.com/get-a-quote/ As an independent agent we do not work for an insurance company; instead, we quote and sell insurance from many different companies – for no additional fee. That means you always have someone in your corner who can find a good policy, and savings, for you.