Recreational Vehicle Insurance

Setting off on a recreational vehicle (RV) adventure is exhilarating, offering boundless open-road possibilities. Yet, amidst the thrill and freedom, it’s crucial to understand the significance of obtaining appropriate insurance coverage.

How Much RV Insurance Do I Need?

Determining the right amount of RV insurance depends on several factors, including your vehicle type, coverage needs and state laws. The following are key considerations:

• State requirements—Most states require RV drivers to carry liability insurance, often similar to car insurance minimums. Check your state’s specific requirements to ensure compliance.

• RV type and value—The amount of insurance you need varies based on your RV’s type and value. For example, if you are looking at a customized RV, you may want to consider specialized coverage.

• Coverage options—Customize your policy with specialty coverage options. Consider liability, collision, comprehensive and uninsured/underinsured motorist coverage, among others.

• Usage and storage—Consider how you plan to use your RV and where you will store or park it. Your specific circumstances will help you decide whether full coverage is better or if storage-only insurance would be more suitable.

What Are Common Mistakes People Make When Insuring Their Recreational Vehicle?

The following are some common RV insurance mistakes to avoid:

• Relying on auto insurance for coverage—Your auto insurance might offer limited coverage for a towable RV if it’s hitched to your vehicle, but it won’t cover an RV with a motor. Getting a separate policy designed specifically for your RV is essential, tailored to its unique needs.

• Declining emergency roadside assistance—When you’re stuck on the side of the road, standard car tow services may not be enough for your RV. Many RV insurance policies offer emergency roadside assistance, covering certain types of assistance without out-of-pocket costs.

• Skimping on liability coverage—An RV can cause more damage than you realize. Even safe drivers can have accidents. Ensure you have adequate liability coverage to avoid paying out of pocket for damages you cause. Such coverage may even be required by law.

• Choosing market value coverage—If your RV gets totaled, you want a new one without paying extra. Market value coverage pays only what your RV is worth at the time of the accident. Instead, inquire about replacement cost coverage to receive a claim payout sufficient to replace your RV.

• Forgetting about discounts—Bundled policy discounts (combining RV, home and other property insurance) are common. Explore discounts based on safety features and storage arrangements.

RV Insurance in Arlington, TX

Contact GEC Insurance Services to discuss RV insurance. We can make coverage recommendations based on your specific RV and usage habits.