Motorhome or Travel trailer Insurance
Coverage for every journey
Motor home or travel trailer insurance is a contract between the policyholder and an insurance company, with the purpose of providing financial protection in the event of accidents or incidents related to the insured's recreational vehicle. Along with the primary coverages of a recreational vehicle policy, there are optional coverages that provide protection if the RV is used as a permanent residence. It is essential for any RV owner as it acts as a shield against a variety of situations, depending on the coverage purchased, such as collision accidents, injuries arising from the accident, vandalism, theft, fire, flood or hail, contact with animals and other unexpected events that can damage the recreational vehicle.
The main coverages include:
Civil liability
- Covers property damage and bodily injuries caused to others in accidents where the insured is responsible. Texas requires a minimum coverage of $30,000 per injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident, known as 30/60/25 coverage. Given the size and potentially greater damage that a recreational vehicle can cause compared to a standard automobile, it is recommended to purchase greater liability coverage with limits equal to or greater than the destination state in cases of multiple accidents or total loss of the other driver's vehicle.
Comprehensive coverage
- Covers against theft or damage caused by natural disasters, vandalism or other unforeseen events not related to collisions.
Collision coverage
- Covers the repair or replacement of the recreational vehicle after an accident caused by a collision with another vehicle or object.
Medical payments
- Covers your own medical bills and those of the passengers. Since the RV can function as a temporary residence during trips, these coverages can be especially crucial, as it can cover injuries sustained both inside and outside the RV.
Personal injury protection - PIP
- Generally applied to motor vehicles such as cars, trucks, and motorcycles. This option is similar to medical payments coverage, covering medical bills resulting from an accident no matter who is responsible. However, in the case of an RV, the situation is different, since these vehicles are not designed to transport people like traditional automobiles. Insurance for motor homes or travel trailers focuses on protection against property damage and liability for property-related accidents.
Protection against uninsured or underinsured drivers - UM/UIM
- Covers you if you are affected by an uninsured or underinsured driver. It also covers accident situations where the other driver runs away; It is recommended to collect evidence and witnesses.
Towing and roadside assistance - Trip interruption
- Covers towing to the nearest repair center in the event the RV is damaged or in an accident.
*It is important to keep in mind that the terms and conditions of the insurance companies may vary for each coverage. Therefore, it is essential to review carefully to fully understand the extension and any exclusions that may apply.
