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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