Category: RV Insurance

If you’re traveling with an RV this summer, you need to ensure you have the right RV insurance policies. Should you need help selecting coverage, feel free to contact Ellis Insurance Agency, which serves San Antonio, TX, and other communities. Let’s take a closer look at why RV insurance is a must.

First, with only a few exceptions, most state governments require vehicle insurance. However, in many cases, the requirements only stipulate that you cover bodily damage (meaning injuries) and property damage for other parties. If you cause an accident and someone is hurt or their property is damaged, your insurance will cover some of the costs. If you should drive without such insurance, you can end up in serious trouble with the law.

You may not be forced to carry insurance to protect your RV or its property. If you should get in an accident or your RV is destroyed in a weather event like a tornado, you might be out a lot of money. RVs are expensive, and some cost hundreds of thousands of dollars. With so much at stake, taking out insurance is often prudent.

Finding the Right RV Insurance Policy

It’s smart to talk with insurance agents to see what is covered by any given policy. For example, not every RV insurance policy will cover property within the RV. You might be left footing the bill if someone breaks in and steals stuff. Thus, if you have a lot of valuables in your RV, you may want to select a policy or add-on to make sure the property is covered in such events.

Ultimately, owning an RV is a wonderful experience for many families. That said, it’s important to make sure you’re prepared before hitting the road. Among other things, that means making sure you have the right RV insurance coverage. If you need assistance with selecting RV policies, contact Ellis Insurance Agency, serving San Antonio, TX, and other communities in Texas.

 

It does if you plan to or actually live in your San Antonio, TX RV three-quarters of a year to full-time. You need full-time RV insurance if you travel in your vehicle rather than parking it. In fact, 150 nights constitute a full-time residence parked or moving.

There isn’t a huge difference between part-time and full-time coverage. Even if you live in your RV, you’re technically not "vacationing," so you don’t need vacation liability coverage. However, getting an RV insurance policy would be a good idea, and Ellis Insurance Agency will show you why.

How An RV Differs From A Home

Your home insurance covers the structure’s contents in case of an emergency. RV insurance doesn’t. Full-timers RV insurance will pay for damages in the area on someone else’s property in which your vehicle is parked. This is called loss assessment coverage and differs completely from home insurance. 

You’ll need full collision, comprehensive, and liability in addition to covering the contents. All this will pay for damages you cause in an accident including medical. 

What To Look For In Full-Timers RV Coverage

San Antonio, TX RVers need to recognize that if they’re living in their vehicle, then part-time or vacation RV insurance won’t apply. Also important are:

    • Medical coverage and mandatory personal liability coverage are very important.

    • Emergency expenses cover the cost of food and hotels if you’ve filed a claim for covered emergencies in excess of 100 miles from home.

    • Roadside assistance comes in handy if your vehicle breaks down or for some other reason requires towing. 

    • Coverage exists for RV accessories such as a TV antenna, satellite dish, awning covers, and more.

Schedule A Consultation Today!

Living in your RV is fun and adventurous. Protect those adventures by calling or dropping by Ellis Insurance Agency to learn more about full-time RV insurance.

More than 11 million U.S. households own a recreation vehicle. In the last decade alone, ownership grew by 26%. This isn’t a passing fad. Studies show that another 9.6 million households expressed a desire to buy their own RV in the next five years.

While these numbers continue to skyrocket across all demographic groups, every RV owner is different. But, whether you are a casual camper or escapist, RV insurance is always a must. Ellis Insurance Agency is here to assist San Antonio, TX RV owners with all their insurance needs. 

Here are the three most common RV types and the coverage needed to ensure you are protected:

Fifth Wheels & Trailers

Towable trailers and "pull behind" campers are less expensive to insure since they are without motors. Yet this also means fewer coverage options overall. Most over-the-road issues are likely excluded. These would be covered as part of your towing vehicle’s plan.

Motorhomes

Every motorized RV is different, ranging in size, cost, and quality. Motorhomes are typically divided into one of three groups. Yet Class A, B, and C motorhomes should require the same insurance as any other vehicle on the roadway. At a minimum, collision, comprehensive, and liability coverages are key.

Full-timers

"Full-timer" is a name applied to anyone who lives in their RV. This status calls for additional insurance protection. You’ll want a policy that covers your belongings too, much like a homeowners’ or renters’ plan.

Give Us A Call

No matter what type of recreational vehicle you own, RV insurance is a must. Serving the greater San Antonio, TX community, our team of experts at Ellis Insurance Agency can find a policy that best meets your needs while traveling with your family. Schedule an appointment today.

Whether you are embarking on a cross country road trip to see all the national landmarks or use it as a personal residence, RV usage is on the rise. Given the expense required in purchasing, maintaining, and owning an RV you’ll want to be sure that you have adequate insurance coverage. In Texas, you are only required to carry minimum liability insurance which is unlikely to be enough if you are involved in an accident given the likely cost of repairs to an RV and the totality of damage it could cause to a third party. 

RVs are an investment and an expensive one at that so insurance provides valuable peace of mind while you are on the road. At Ellis Insurance Agency in San Antonio, TX, we want to help you with your RV insurance needs. When shopping for insurance, you’ll first want to know what classification of RV you own because this can have a large impact on the type of coverage you’ll want to purchase and the cost. An RV can cover anything from trailers to motorhomes to truck campers to fifth wheelers. 

Similar to your auto insurance policy, a typical RV insurance plan will include collision, comprehensive, uninsured/underinsured motorist, liability, and medical payments. Additionally, you may want to consider optional coverage such as towing, roadside, and contents insurance which pays to replace your belongings if they are damaged or stolen in a covered incident. Contact Ellis Insurance Agency in San Antonio, TX to schedule an appointment with one of our professional and knowledgeable insurance agents so that we can help customize an RV insurance policy that best meets your needs.