RV Insurance: What It Covers and Why You Need It 

Owning a recreational vehicle (RV) in Texas opens up a world of adventure, whether you’re exploring the Hill Country, heading to the Gulf Coast or embarking on cross-country road trips. Similar to any significant investment, financially safeguarding your vehicle is essential. At GEC Insurance Services, we help RV owners explore their coverage options and make informed decisions about their insurance needs.

Understanding RV Insurance

RV insurance is designed to help you manage losses following unexpected events that can impact your motorhome, travel trailer or camper. In Texas, RV insurance requirements depend on how your vehicle is classified and its intended use. If your RV is motorized and self-driven, state law requires you to carry minimum liability coverage, similar to auto insurance. Towable RVs, such as travel trailers, may not need separate liability insurance, but coverage is still highly recommended.

What Do Policies Cover?

There are several RV coverage options available to match your budget and needs, such as the following:

• Liability coverage may help pay for costs related to third-party injuries or property damage you cause while operating your RV.
• Comprehensive and collision coverage may cover damage to your RV after an accident, theft, vandalism, fire or severe weather.
• Personal belongings coverage may offer financial support if the contents inside your RV, such as electronics, camping gear and personal items, are stolen or damaged.
• Uninsured/underinsured motorist coverage may step in if you’re involved in an accident with an at-fault driver who lacks adequate insurance.

You can also enhance your financial protection with endorsements, such as roadside assistance coverage, which may assist with towing, flat tires or breakdowns.

Why RV Insurance Matters

The right RV policy can help you financially recover from unexpected events, avoid costly repairs and travel with more confidence. Our team is here to guide you through the process, answer your questions and tailor coverage to your unique lifestyle. Contact GEC Insurance Services today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.