For a typical vehicle insurance policy, the general theory is pretty straight forward. When you go to get an insurance plan for your car or truck, you’ll pick out the most reasonably priced offer that covers your vehicle to the degree you think is appropriate. Purchasing RV insurance in Texas is the same in theory, but in practice can be wildly different in terms of both complexity and price. Don’t pay for more than you need, or conversely under buy when it comes to insurance; figuring out what plan suits you best is pretty easy.
Figuring out the classification of your vehicle is the first step to ordering RV insurance in Texas. Prices will vary significantly depending on the size of your vehicle, so ensuring that you’re clear on its proper classification is paramount to not over spending. Ranging from class A motorhomes the size of a city bus to the smallest of camping trailers, RV insurance across Texas is mandatory if you want to legally operate your vehicle. While insuring your commuter car or pickup may be a fairly simple process, realize that insuring your recreational vehicle is going to come with quite a few more caveats. In order to make the most of your insurance, you’re going to have to figure out exactly which type of RV you intend to insure. The information should be available relatively easily, especially if you know the make and model. If not, here’s a list of general classifications most insurance companies will use to classify your vehicle.Your recreational vehicle can be insured as a motor home if it has:
- Cooking appliances including refrigeration
- Bathroom and drinkable water
- 110 – 125 volt electrical system installed
- Heating or air conditioning
- Living quarters
The above items must be permanently attached to the vehicle if you’re looking to get RV insurance in Texas and be covered on the level of a motor home. Travel trailers will receive different treatment, and will typically have a cooking facility and sleeping area permanently installed.
If you’re looking to get RV insurance in Texas, there are a few major differences to take note of when compared to getting insurance for your car. When comparing plans, price discrepancy is likely to be what stands out the most, and for good reason. A recreational vehicle is something that can fill quite a few roles in your life, from a once a year vacation home to a full time residence. RV insurance across Texas is indicative of these widely varying uses, so you’ll have to expect to pay accordingly depending on how you use it.
The mild climate of Texas is very favorable for full time living in an RV. If your plan is to use it as not only a mode of transportation, but also a full time residence as many Texans do, it may be in your best interest to put your estimated insurance premiums at the higher end of the price spectrum. If, on the other hand, you’re looking for insurance that covers your vehicle minimally due to limited use, a less expensive premium may be better suited to you. Try to keep in mind that your insurance costs will reflect the chances of your insured property being damaged, and the more you intend to use it the more likely it is to happen. If you’re in your RV 365 days a year, be prepared to pay a good deal more per month to keep yourself covered.
Ensuring You’re Insured
Buying RV Insurance in Texas is pretty similar to the rest of the country, although the market for it may be significantly more active due to the favorable climate. With varying prices and specific classifications changing the very nature of your insurance plan, it’s extremely important to recognize what will be covered before you purchase your RV insurance in Texas. Collision coverage, for example, will cover your RV in the event of an accident on the road, but will not cover any other damage due to vandalism or storms. If you’re shopping for RV insurance in Texas and only spring for liability and collision coverage, you may be in for a rude awakening. While your car may be perfectly suited to only have basic coverage, your RV may contain all of your personal possessions.
Protecting your vehicle with comprehensive RV insurance in Texas as you would your own home will make all the difference in the world in the event of a non driving related accident. Thoroughly consider what your RV will be used for prior to looking into RV insurance in Texas, as the possibilities for damage are endless.
The Big Picture
Consider also that depending on the intended use of your vehicle, you will not be spending money on typical homeowners insurance. Full RV insurance across Texas may be saving you a significant amount if you’re not paying for home insurance, house payments, and property taxes. Getting RV insurance in Texas that covers your vehicle, its contents, and any variety of accident may be a very fiscally responsible choice if you plan to make it your full time home.
Finally, when purchasing RV insurance in Texas be sure to compare rates between companies. Try to find a company that you trust has an intricate level of knowledge when it comes to covering a motor home that may function as both your home and your transportation. If a company is well versed in the practice of RV insurance in Texas, you’re more likely to come away as not only a satisfied customer, but a well learned customer as well.