Generally, an RV is a recreational vehicle that either has a motor attached or is a trailer pulled by another vehicle. It is not exactly a home or building but is not exactly an automobile either. That makes insuring it a little complicated, but the agents at the Southwest Insurance Center in Austin, TX have policies that will fit your needs regardless of the type of RV you have.
The area around Austin, TX, as well as the rest of the state, is popular for camping year round for the most part. A lot of people enjoy having these types of vehicles, and Texas a great place for that type of activity.
For a small trailer that is pulled by a car or light truck, you may only need to add that to your automotive policy. While pulling the trailer, the trailer is considered part of your car or truck. When you have an RV that has a motor built in, it is called a motorhome, and that is where it gets a little tricky. For those types of vehicles, you will need a separate policy.
Basic liability is required in Texas for your vehicles, and that includes your RV. There are other types of coverages that are not required, but might be a good idea in order to protect your property. Just like with car insurance, there is a collision and comprehensive coverage. There is also vacation liability, which covers you while you are camping.
Some people stay in their camper year round, or for extended periods, and extra coverage here is also a good idea. The contents of your RV should also have some coverage as well.
Stop by the Southwest Insurance Center in Austin, TX, or visit us online, to get more information about coverage on your RV. We welcome new customers and can help you find the policy you need. We also encourage existing customers to update their policy regularly.