Category: Recreational Insurance

Tomball, TX is a gorgeous suburb of Houston whose location offers its residents easy access to beautiful places, including being just a six-hour drive from the Mexican border. Mexico has a lot of fantastic RV camping spots to visit, including gorgeous and incredibly cheap beachfront campsites that you can’t quite readily find here in the USA.

But before you hit the gas on your RV, you should make sure you have the right recreational insurance, such as the expansive policies we offer at Great Southern Agency. 

Understanding What Type of Recreational Insurance You Need to Drive & RV Camp in Mexico

Generally, most basic recreational insurance policies will only cover domestic travel. This means that if you go over the Mexican border and get in an accident or experience a natural disaster that causes damage to your RV, you might find yourself unprotected altogether or only partially protected with a specialty high deductible.

The good news is that there are some great options you can get if you want to take your RV and other recreational items south of the border. Such options include:

• Purchasing temporary Mexican insurance that will last for only the short period of time that you’l be traveling in the country.
• Purchasing Mexican coverage as a permanent add-on endorsement through your recreational insurance provider.
• Purchasing full international coverage that will extend your policy no matter where you go in North America.

Learn More With Our Team

Are you ready to take your Tomball, TX camper on the road and across the border? Contact our friendly team at Great Southern Agency today to learn more about recreational insurance and get the perfect policy coverage to meet your upcoming travel desires.  

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.

Recreational activities covered by insurance can vary by company. Most standard plans cover activities like skiing, scuba diving, and snowboarding. You might need to upgrade your plan or get additional coverage to participate in more dangerous activities like rock climbing or skydiving. 

Many insurance companies also offer add-on plans that let you extend your coverage to activities like hiking, camping, and sightseeing. These plans are less expensive than purchasing a plan for every activity. You may however have a higher deductible, limit on benefits, or a smaller coverage limit. Some insurers offer special policies for kids. It’s advisable to shop around and compare different plans to find the right fit for you.  Great Southern Agency in Tomball, TX offers you this guide in navigating recreational insurance.

What Are Some Common Recreational Activities That Are Covered?

Insurance can be used to protect against the cost of many leisure activities, such as sports, travel, and hobbies. If something happens that causes you to pay high medical bills, your policy could cover it. 

If you are on vacation and are involved in an automobile accident, that could be covered by your policy. Your policy could cover if you are taking up a new hobby, such as collecting stamps, and it damages someone else’s property.

If you are taking a trip and are delayed due to bad weather, your policy could cover that. 

The list of activities that your health insurance may cover can vary by plan. Many plans offer partial or full coverage for fitness activities like yoga and weight lifting. It may include other activities like sailing and ice skating. 

Some plans may also offer coverage for diet and nutrition programs, ranging from Weight Watchers to a program that helps you increase your intake of fruits and vegetables. 

Finally, you may also be covered if you undergo a treatment such as acupuncture, massage therapy, or physical therapy to help you manage stress, impacting your physical health. For recreational activities’ coverage, consult Great Southern Agency in Tomball, TX.

Keeping your recreational vehicles and toys properly insured is the best way to keep the good times rolling. At Great Southern Agency serving Tomball, TX and surrounding areas we want to help our clients have fun the safest way possible. Keep reading to learn about the different types of recreation insurance. 

RV Insurance 

RV insurance can be used to cover your recreational vehicles such as campers and RVs. These types of vehicles will need the proper insurance coverage in order to be on the road. It is also important that you have these items covered with insurance so that your personal belongings within the RV will also be protected. 

Boat Insurance 

If you own a boat or watercraft, proper insurance is the only way to protect your investment in your watercraft. It is also the best way to protect yourself from liability should someone get injured on your boat or because of your boat. 

ATVs

ATVs or all-terrain vehicles pose a particular risk to owners and riders. Because these vehicles are often taken into off road situations, the chance of wrecks or injuries is high. Having these vehicles properly insured will mean that should an accident happen you will not be held liable for injuries or damage. 

Motorcycle Insurance 

Motorcycles can be covered under recreational vehicle policies if they are not used as a primary mode of transportation. You can talk with an insurance representative to find out if your bike qualifies for this type of policy. 

If you would like to learn more about our services, or if you are interested in recreational insurance policies, please contact us at Great Southern Agency, serving Tomball, TX and surrounding areas. 

Tomball, TX, is nestled near the national forest and is home to all types of outdoor activities. Non-passenger automobiles such as golf carts, four-wheelers, Jet Skis, and ATVs make playing outside more enjoyable. These types of vehicles are covered by recreational insurance, sometimes also called toy insurance. At Great Southern Agency, we know you deserve to play with peace of mind. 

Not Covered by Homeowner’s Policy

Outdoor toy vehicles are typically not covered by a homeowner’s insurance policy. Even though many of these types of vehicles require a title, but not necessarily registration, it’s still essential to take out liability insurance policies on each of them. If you’re involved in a collision or property damage results due to one of these toys, you can be held liable. 

Responsibility if Stolen

Suppose your ATV, golf cart, boat, crawler, or other recreational vehicle is stolen and involved in an accident. In that case, you, as the owner, can still be held responsible for the resulting property damage and medical bills. Being financially accountable can be devastating, even though this unfortunate situation may have happened through no fault of your own. A good liability policy can give you more security.

Insured at Cash Value 

Many of these vehicles are insured only at actual cash value at the time of accident or loss. For example, if you paid $7,500.00 for a recreational toy vehicle, but after five years, it’s now only worth $2500.00, you might be overpaying for insurance. The insurance policy may not pay out the original cost of the vehicle. 

Be Aware of Modifications

The State of Texas is particular about what each recreational vehicle or toy vehicle needs to stay classified as a specialty vehicle. If significant modifications are made, it may no longer be classified under a recreational category. If this happens, an insurance company might cancel future coverage for that recreational toy vehicle. 

Contact Great Southern Agency

Faithfully serving Tomball, TX, and the surrounding areas, Great Southern Agency is happy to help you pick the right Texas recreational insurance for your needs. Contact us today for a free quote!