RV owners are required to purchase basic insurance coverage as per state laws. However, before purchasing insurance it is important to have a thorough understanding of RV insurance. It facilitates the RV owner to make an informed decision and choose suitable insurance coverage.

Here are some essential things to know about RV insurance:

Vehicle Class: RV or Recreational Vehicles include a wide range of vehicles such as camper vans, bus conversions, etc. RVs can be broadly classified into three classes –

• Class A: Class A includes vehicles such as luxury coaches, converted buses and motor coaches. The vehicles can be up to 75 feet long.
• Class B: This class includes smallest RVs and do not have a cab-over. Class B vehicles include cargo van type designs, travel trailers, and camper vans.
• Class C: Class C group includes vehicles that use standard cargo vans as driving portion of the RV and the cargo portion extends over the cab area. This class covers fifth wheel vehicles.

Coverage Options: The coverage options offered by RV insurance ensure a protection against financial loss due to a number of covered events. Coverage options include –

• Bodily Injury & Property Damage Liability
• Comprehensive & Collision Options (Market Value, Agreed Value, and Total Loss Replacement Cost)
• Uninsured/Underinsured Motorists
• Medical Payments (MedPay)
• Roadside Assistance
• Emergency Expense
• Replacement Cost Personal Effects
• Vacation Liability
• Fire Department Service Charge

RV owners can also choose from coverage packages offered by insurance agencies to suit their requirements. Also, they can choose to purchase add-on coverage for their valuable possessions (clothing, jewelry, binoculars, laptop, camcorders, etc.) carried along during traveling on the RV.

Factors Affecting Insurance Coverage: The suitable RV insurance coverage is dependent upon numerous factors including –

• State requirements
• Vehicle Class
• Intended Use (Full time or vocational)
• Any custom features that may result in higher repair cost

Shawn Camp Insurance Agency, Inc. offers a complete range of RV insurance coverage options to its clients in Killeen, TX. Customers can choose the coverage options as per their requirements. The agency also offers the option to choose a personalized RV insurance. For more details on things to know about RV insurance in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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RV (Recreational Vehicle) insurance offers number of perks to the owner irrespective of whether the vehicle is used full-time or sporadically. This type of insurance covers all types of recreational vehicles such as folding camper trailers, motor homes, towable travel trailers, motor coaches, etc.

Reasons why RV insurance is important are listed below:

• Legal Requirement: This type of insurance is a legal requirement that varies from state to state. Each state has a different law governing the minimum requirement for RV insurance based on the size, make, driving history, model of the vehicle and other factors.
• Liability Coverage: The insurance protects the owner of the RV from liabilities that ensue from an accident caused by him. It covers expenses related to property damage, legal liabilities, first-aid, injuries and others.
• Provides Collision Protection: If your RV collides with another vehicle or stationery object, the insurance covers any loss or damage irrespective of whether it is your fault or not.
• Provides Roadside Assistance: In case of an emergency on the road in the form of a dead battery, lock-out, electrical breakdown, entrapment in water, snow, mud, etc.; roadside assistance will be at your rescue no matter where you are.
• Flexibility Of Coverage: The amount of coverage to be purchased depends upon the individual requirements of an RV owner. In case one needs additional coverage for additional equipment on the RV, enhancements, accessories, etc., he can increase the coverage up to the limit provided. RV owners can also avail uninsured motorist coverage, underinsured coverage, limited pet coverage and others as per the needs.
• Protects Valuables: RV insurance provides protection for personal valuables in the RV or anything attached to it. These items include cooking appliances, satellite dishes, furniture, sporting and camping supplies, jewelry items, watches, etc.

Shawn Camp Insurance Agency, Inc. offers RV insurance to its customers in Killeen, TX. The coverage options provided include Bodily Injury & Property Damage Liability, Roadside Assistance, Medical Coverage, Personal Liability, etc. To know more about the importance of RV insurance, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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RV, also known as Recreational Vehicle, needs special insurance coverage as compared to other automobiles. This is because they are on the road for a longer period of time and that too on different terrains. Vehicles that come under RV are travel trailers, camper vans, motorhomes, etc. It is important to get the right RV policy so that you don’t have to worry about constant repairs or finances.

An RV insurance covers personal property and belongings inside the RV at the time of traveling like laptops, cell phones, TV, dishware, etc., personal attachments like a satellite dish, awnings etc., uninsured motorist coverage, collision expenses, full replacement in case of theft or destruction, medical payments, costs of an RV in storage, things outside of collision e.g. falling objects, fire, natural disasters, theft and more.

Following are some reasons due to which getting RV insurance in addition to auto insurance is highly recommended:

• State Requirement: Most of the states require some form of insurance for recreational vehicles. If nothing else, at least a driver should have minimum level of RV insurance.
• Financial Protection: Accidents can cause major financial setbacks. RV insurance can protect you from this. Insurers offering RV coverage have well-trained representatives with expertize in calculating the amount of damage to RVs and writing estimates. RV insurance also covers parts of RV like stairs, slide outs, awnings and appliances.
• Roadside Assistance: Normal auto insurance policies do offer roadside assistance coverage, but not for RVs. Even if they cover the RVs in their policies, the cover does not include all the expenses incurred to resolve roadside breakdown. If you have RV insurance, such expenses are fully covered.
• Personal Property Protection: Most RV drivers live in them for long durations. Due to this, they keep items of daily use such as laptops, jewelry, camcorders etc. in the vehicle. So naturally, the risk associated with theft and damage is pretty high. However, if you have RV insurance, you know you are safe and will be compensated for any kind of loss.
• Investment Protection: Investing in an RV involves a major amount of money. Some RV insurances offer full replacement cost coverage. In this case, if your vehicle is damaged to the extent of being irreparable; you can get its full value.
• Covers Costs Of Living: If your RV is damaged during a trip and you have to reside elsewhere while it is getting repaired, some RV insurance options may cover your lodging and transportation costs.

To get affordable insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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Insurance costs for an RV depend on a number of factors. Geographical considerations, age and condition of the RV, the driver’s experience as well as the regional weather conditions play an important role in determining the price that you may have to incur. In order to save on your RV insurance, listed below are a few factors that should be kept in mind:

Contact different insurance companies

All insurance companies charge a different rate. Make sure you do not buy the RV insurance from the first company you come across. Some of them may offer the policy at a lower premium in order to attract more customers. Hence, it is best to do a thorough research before making the final decision.

Go through the state laws

Each state has its own insurance laws. States having a lesser number of RV owners will have a cheaper insurance cost. Also, the state laws may have certain regulations regarding the basic coverage and amount of insurance required for an RV. Hence, knowing these requirements before buying insurance can be helpful.

Look for discounts

Most insurance agencies in Killeen, TX offer additional discounts that can greatly alter your overall costs. If you have experience in driving an RV or you plan to use the vehicle occasionally and for short trips, you may be eligible for a discount. Paying the insurance costs yearly can also help you to receive certain incentives. It reduces the overhead costs of paying every month and gets you discounts too.

Get a coverage appropriate for your RV

An older RV may require a higher collision deductible. Not every policy covers all types of losses; hence it is necessary to understand the coverage provided by the one that you are planning to buy. You can also opt for a customized insurance policy to include maximum losses under the insurance umbrella.

Bundle your insurance policies

Getting a car, home and an RV insured with the same provider can help you save on your insurance. Similarly, you can opt for a multi-vehicle discount by getting all your vehicles insured under the same policy. This will not only save money, but also make it easier to manage your insurance plans.

Look for membership and professional discounts

Certain insurance agencies offer occupational and membership discounts to the clients. Doctors, teachers, military personnel and Federal officers can avail insurance at a lower premium. Similarly, being a member of an RV club or a trade association can also help you get discounts on your insurance costs.

Know the insurance costs of different RVs

Every RV comes with a different insurance cost. Before you buy one, you can do some research about the approximate cost of insuring it. There are several factors that may affect the insurance costs depending on the type of vehicle:

• The model and age of the RV.
• The wear and tear of an older RV can definitely alter the insurance cost.
• The insurance company may conduct a background check of your driving record. Since driving an RV requires practice, an experienced driver may be offered a discount.
• In case you live in a mountainous region or areas affected by harsh weather conditions, the insurance costs may go higher.

Some safety tips to save on RV insurance costs:

• Instead of parking in the open, you can opt for indoor parking options to ensure safety.
• Since driving an RV is different than other vehicles, it is advisable to take a course in order to learn safety techniques. Most companies offer discount on safety-course certificates.
• Drive safely and take precautions to avoid accidents. Safe drivers are usually awarded with discounts.
• Install safety accessories such as anti-theft alarms, gas and fire protection systems in the RV. This not only ensures personal safety but also helps to reduce your insurance cost.

By following the tips mentioned above, you can get a cheaper insurance policy without having to compromise on your insurance coverage. You can hire an insurance agent to guide you through the whole process. Discuss your requirements with the agent and he can help you opt for a comprehensive policy that covers all your losses in case of an accident.

We, at Shawn Camp Insurance Agency, Inc., offer comprehensive RV insurance plans in Killeen. To request a quote, you can call at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.