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Owning a recreational vehicle (RV) allows you to travel the country without sacrificing the key comforts of home. In Texas, you must have dedicated insurance to operate these large vehicles, as they are not covered by a standard auto policy. However, there are many types of coverage available, and speaking with an insurance agent is the best way to find a policy that meets your needs and budget. Here are several of the most common options.

What Type of RV Insurance Is Right for You?

1. Liability

Texas law requires motorists in an RV to carry both bodily injury and property damage liability insurance. The state-mandated minimums are $25,000 for property damage, $30,000 in bodily injury coverage for each injured person in an accident, and $60,000 for total bodily injury coverage per accident. If someone else on the road is injured or their vehicle is damaged in an accident for which you are at fault, this coverage pays for the resulting expenses. Before going on vacation, always check with your insurance agent to confirm you have at least the state minimum amount.

2. Collision

Collision covers a portion of the repair or replacement costs if your RV is damaged in an accident. This coverage applies even if you are at fault for the collision, which can help you recoup the cost of the investment. While this is not legally required, your lender may mandate it if you financed the RV.

3. Comprehensive

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This type of coverage combines liability and collision insurance, and also includes other sources of damage. For example, it will pay for damage relating to theft, vandalism, fires, and some types of storm damage. If you are considering this option, your insurance agent will provide a full list of the covered events so that you can easily see what this option protects.

4. Uninsured/Underinsured Motorist

If you're involved in an accident with a driver who doesn't carry auto insurance or has less than the state-mandated minimum, you could be responsible for significant medical or repair costs. This will come out of your pocket if you only have liability insurance. However, when you add uninsured and underinsured motorist coverage to the policy, this will reduce the amount you have to pay out of pocket.

5. Medical Payment

Regardless of the property policy you choose for the RV, you should also add medical payment coverage. This pays for medical bills for anyone inside the RV, no matter who was at fault for the accident. While you may think liability already handles this, a standard liability policy only covers injury costs for others, not for your passengers or yourself.

 

When you need RV coverage to protect your family on vacation, contact Stidham Insurance Agency in Dumas, TX. Since 1969, these insurance agents have been serving residents throughout the Texas Panhandle. They provide a variety of auto, crop, and home insurance solutions. Call (806) 935-6888 to request a quote. Visit them online for more information about their services.

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