Many people enjoy having a home on wheels. They’re able to travel and take their homes with them, eliminating the need for a hotel. However, the type of travel trailer, camper, or RV you have will determine the type of insurance you’ll need. An RV or recreational vehicle with a motor will require RV insurance because it’s still a motorized vehicle like a car. If you drive a motorized RV, you’re legally required to carry RV insurance.
Our Great Southern Agency team understands that it may be confusing to determine insurance requirements for recreational vehicles. We’re committed to educating our Tomball, TX residents regarding state requirements.
What is RV Insurance?
RV insurance, similar to auto insurance, provides protection for RV drivers from excessive costs from damage to their RV or others if they are found at fault for an accident. RV insurance can even help pay for out-of-pocket costs for damage to your RV. This includes any breakdown you may have while driving your RV.
Recreational vehicle owners should note that not all campers require owners to carry RV insurance. If you own a non-motorized camper or RV, you’re not required to carry RV insurance. However, it may still be beneficial for you to invest in insurance for your specific type of camper.
I have a fifth wheel. Do I need recreational insurance?
A fifth wheel doesn’t have a motor. As a result, you’re not required to carry RV insurance. However, if you’re in an accident while towing your fifth wheel, your car insurance may not pay to repair any damage to your fifth wheel. As a result, it may be a good idea to invest in travel trailer insurance. Travel trailer insurance will pay for the repair or replacement of your fifth wheel if it’s damaged or stolen.
Contact Us Today
If you have questions about insurance for your fifth wheel, camper, or recreational vehicle, we’d be happy to answer them. Call us at Great Southern Agency in Tomball, TX.