For residents of Cypress, TX, recreational vehicle (RV) insurance covers property damage to an RV. In addition, it provides payments for bodily injuries to the driver and passengers.
What’s Considered an RV in Texas?
According to the InsureUS team, an RV is a motorhome. In other words, it’s a vehicle instead of a trailer hitched to an automobile or truck.
What are the Minimum Coverage Amounts?
Liability insurance minimums for an RV are similar to those of personal automobiles in Cypress, TX.
- $25,000 in property damage for each accident
- $30,000 in injury coverage per person
- $60,000 in personal injury coverage per accident
Coverage must meet or exceed these guidelines for your RV to be insured.
In addition to the minimum amounts, Texas insurance firms allow you to purchase additional coverage for your RV. For instance, comprehensive coverage handles costs to repair or replace the RV when damage occurs through vandalism, weather, fire, or collision with wild animals. Collision coverage shields the RV from accidents with other vehicles, property, or single rollover incidents.
Is There a Difference Between Full-Time and Part-Time RV Insurance?
Standard RV insurance policies cover part-time use. If you live in and drive your RV full-time, a different policy is required. In that instance, you need coverage for items like medical issues and loss payments.
Is Insurance Needed on a Towed RV?
RV insurance isn’t typically required for a towed (fifth-wheel) trailer. However, the vehicle doing the towing must be insured. For example, a pickup truck or SUV with the capacity to tow a several-ton trailer.
Do you have questions related to RV insurance? If so, contact representatives at InsureUS to get the answers you need.