Recreational Vehicle Insurance in Beaumont, TX
Recreational vehicles (RVs) typically serve a different purpose from cars and may require specialized protection from loss events. At Miller Insurance Agency, our agents are here to help you understand the importance of RV insurance and find the most appropriate policy for your needs.
What Qualifies as a Recreational Vehicle?
Texas defines a “recreational vehicle” as a vehicle that is used as a temporary living space for camping and travel. In the Lone Star State, owners of self-driven RVs, such as motorhomes, are legally required to carry RV insurance. Travel trailers and other towable RVs may be covered by the towing vehicle’s auto insurance, but you should discuss your specific coverage needs with a qualified insurance agent.
What Does RV Insurance Cover?
Coverage may vary depending on the insurer, but a standard RV insurance policy may provide the following:
- Comprehensive coverage may cover damage caused by fire, theft, falling debris, weather events or vandalism.
- Collision coverage may pay for repair or replacement costs if you collide with an object, a tree or another vehicle.
- Liability coverage may cover legal and/or medical expenses if you were liable for third- party bodily injury or property damage.
- Uninsured/underinsured coverage may be helpful if you were hit by a driver with insufficient coverage or if you were involved in a hit-and-run.
How Much Is RV Insurance?
Several factors may influence the cost of your RV insurance policy. Insurers may consider the following information when quoting you for a rate:
- The age, size, type and value of your RV
- Your driving history
- Your RV residency status (e.g., full-time or part-time)
- Your claims history
- Your location
Contact Miller Insurance Agency today to learn more or request a personalized quote.