Recreational Vehicle Insurance in San Antonio, TX

Recreational vehicles (RVs) can double as homes on wheels, potentially providing lodging, safety and security throughout your transcontinental adventures. However, accidents and other incidents involving your Recreational Vehicle can be costly, and even the most responsible and skilled drivers may eventually face such situations. Fortunately, a suitable RV insurance policy can establish a stout financial shield against such losses.

What is RV Insurance?

This form of insurance can often combine various coverages available through standard auto and home insurance. This can prove invaluable, as RV ownership may involve accounting for risks associated with driving and homeownership. Your policy acts as a contractual agreement; in exchange for your regular (e.g., monthly or annual) premiums, you retain the right to file a claim for financial assistance following accidents and other covered incidents.

What Does it Cover?

RV insurance may include various coverages, each capable of accounting for certain losses and expenses arising from incidents involving your vehicle. Specifically, you may want to consider investing in the following:

• Bodily injury liability coverage for third-party losses after an accident you cause

• Property damage liability coverage to help pay for other parties’ losses if you damage their vehicles or buildings

• Collision coverage for repair costs after a crash involving your RV

• Comprehensive coverage for noncollision-related losses, such as those arising from fires, theft and severe weather

• Uninsured/underinsured motorist coverage for incidents in which someone else is at fault but lacks sufficient insurance to pay for your losses

What is Full-time Coverage?

If you use your RV as your primary residence, you should strongly consider purchasing full-time RV insurance. This type of policy can offer particularly robust coverage, including potentially paying for losses involving your vehicle’s contents (e.g., furniture and clothing). Additionally, full-time coverage can extend liability coverage to include incidents occurring while you’re parked, such as if a guest is injured in or around your vehicle while at a campsite or RV park.

How to Get RV Insurance Near You

Contact Xpress Insurance today to speak with one of our knowledgeable agents about RV coverage and get a free quote.