Texas RV Insurance – How to Plan Insurance for Long-Term Journeys

RV’s are a way for Texans to launch adventures that they will remember for a lifetime.  Many Texans have the opportunity to use RVs for traveling on long-term journeys. This could mean you are living in your RV for months at a time, and this adventure in life will come with some risks.

That is what insurance is for. At All Around Insurance Agency, we want Katy, TX residents to have the best Texas RV insurance coverage possible for their long-term journeys.

What Long-Term RV Insurance Covers

When you are using your RV for long-term journeys, you will need RV insurance. Your RV will be viewed as both a home and an automobile, and you will have to cover it accordingly.

An RV insurance policy for long-term journeys will have a residential policy component and an auto insurance policy component. The terms of the policy will be designed according to the intents you have with the vehicle.

RV Auto Insurance

RV insurance for your automobile needs will function like regular auto insurance. You will need liability insurance to cover medical costs and damages to third parties in the event of a collision. You will also want collision and comprehensive insurance to cover you in the event of a collision, or damage caused by events not related to a collision. 

It is also a good idea to get uninsured motorist coverage and add-ons such as travel insurance and roadside assistance. If you only get one add-on for your RV insurance policy, roadside assistance is the one to get. You’ll never worry if you get stuck at the side of the road or run out of gas again.

RV Home Insurance

When your RV is functioning as a home on wheels for you for a little while, you are going to want to have contents coverage and personal liability coverage. Property insurance will cover you in the event of theft, fire, or weather damage. You also want to have liability insurance in the event that there is an accident in or around the property your RV is located on.

Get a Quote

When you are considering a long-term journey with your RV, you need a full policy for both your home and auto needs. At All Around Insurance Agency, we want Katy, TX residents to be protected. Call us for a quote today.