Frequently Asked Questions About RV Insurance

by Administrator 17. January 2019 06:41

Buying an RV can be a very exciting experience and it is important to get your vehicle insured. Here are answers to some frequently asked questions about RV insurance.

  • What Is RV Insurance?

RV insurance is very similar to auto insurance, except it is for your RV (Recreational Vehicle). The term RV defines a wide range of vehicles, including motor homes, camper vans and bus conversions. An RV insurance covers any damages that might be incurred to any of these vehicles. Depending on the type of RV you own, you would need to choose between type A, B, or C type RV insurance. A professional insurance agent can help you decide which RV insurance would best suit your requirements. 

  • What Is Covered By RV Insurance?

Perhaps the most common question asked by RV owners looking to purchase insurance, is what will the insurance cover. The basic coverage of an RV insurance includes liability, collision and comprehensive coverage. In addition to that, RV insurance also covers your personal belongings that might be in your RV at the time of an incident, as well as any equipment or accessories such as awnings and satellite dishes that you might have attached to the vehicle. In some cases, RV insurance also covers towing costs if your vehicle needs to be towed. You may choose add-on options like roadside assistance, emergency expenses, vacation liability and replacement cost, to name a few.

  • How Does It Work?

Before investing in an RV insurance, it is prudent to understand how it really works and what would happen in the event that you need to use your insurance. To start with the process, you need to contact your insurance agent and collect extensive details of the event. Depending upon the limits set by your RV insurance plan, you will be covered in all possible events such as – getting into an accident with an uninsured motorist, being at fault in an accident, having your RV damaged by a natural calamity, etc. 

  • Is RV Insurance Required By Law?

Much like auto insurance, all RV owners are required to have RV insurance. All states require you to have a minimum liability insurance to cover your vehicle, however you may choose to have extra coverage to minimize your out-of-pocket expenses in case of an accident.

  • How Much RV Insurance Do I Need?

This is governed by numerous factors like your state’s requirements, the class of your vehicle, whether you use your vehicle to travel part-time or stay in it full-time, where will you be travelling, the custom features of your motorhome, etc.

For further information on RV Insurance, contact Shawn Camp Insurance, Inc. at (254) 526-0535 for a free online quote. You can also visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.


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RV Maintenance Tips For Low Insurance Premium

by Administrator 27. December 2018 12:13

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What Does RV Insurance Cover?

by Administrator 19. December 2014 08:12

Recreational Vehicles, or RVs, are a very useful vehicle for people who love camping or travelling across long distances. As it involves a big investment it should be insured properly. Many insurance options are available for an RV, depending upon its type and use.  Here are some of the vehicles that are covered under RV insurance

  • Class A Motorhome: A large house on wheels Class B Motorhome: Comparatively smaller, van sized vehicle
  • Class C Motorhome: Medium vehicles, called as mini-motorhomes
  • Travel Trailer: Towable mobile home attached to a trailer glitch
  • Truck Camper: Attached to the crib of a truck

What Does It Cover? 

  • Bodily Injury: This provides coverage for your medical bills in case you suffer an accident while traveling on your RV.  Collision And Comprehensive
  • Coverage: Collision coverage helps to pay the damages caused to your RV in an accident in which you are at fault. On the other hand, comprehensive coverage pays for a loss in case your RV is stolen or damaged due to vandalism, fire or falling debris.
  • Uninsured Or Underinsured Coverage: If you have damaged your RV due to an accident by an unidentified, uninsured or underinsured driver, this coverage options helps to pay for the repairs. It also meets the expenses of medical bills and lost wages and other damages caused to you or other passengers present at the time of accident. 
  • Medical Payments Coverage: It pays for the medical costs incurred by you or other victims at the time of an accident, irrespective of who is at fault.
  • Roadside Assistance: If your RV breaks down unexpectedly, this coverage option will provide help needed for towing and dropping the car to a nearby repair shop.  It also provides an increased protection that includes any expenses caused due to trip interruption in case you have traveled more than 50 miles from your home. 
  • Liability Coverage: Also known as property damage liability, it provides coverage for damage to others’ property due to an accident caused by you. We, at

Shawn Camp Insurance Agency, Inc., provide comprehensive insurance plans for your RV. Our agents will carefully analyze your needs and budget and then lay out the best coverage options for you. For more information, you can call at (254) 526-0535 or visit us at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542.

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