RV InsuranceIt's time to hit the road in your RV. You've stocked it, checked it over and filled it with gas. But before you hit the road on your cross country trip, you need to have the right amount of RV insurance for protection. After all, you've made a sizeable investment in your recreational vehicle, so it's best to have proper insurance in place to minimize risks associated with driving.

Unlike car insurance, there's a unique component to RVs when it comes to coverage. In fact, they require something of a mash-up between car insurance and home insurance. Proper RV insurance covers all of these areas.

What You Need to Have

Most often, RV owners know they need to have bodily injury protection, property damage liability and underinsured/uninsured motorist coverage. You might also know you need comprehensive insurance to cover the value of your vehicle in the event of theft, fire or vandalism. You may have already considered medical payments and collision coverage, which are some of the most common vehicle insurance plans.

But before you head out, consider these three types of RV insurance that often go overlooked. Have you planned for these risks?
  1. Towing and Labor: Towing and labor can be very expensive for larger RVs when paid out of pocket. But with this coverage on your plan, you'll have financial protection if you find yourself stuck on the side of the road. Generally, you should be able to choose from various levels of towing coverage, depending on the size of your policy.
  2. Canada and Mexico Coverage: If you plan to travel to Canada or Mexico in your RV, this insurance plan can cover you within 25 miles of the border for up to 10 days (depending on your insurer and policy), to the level allowed by law.
  3. Rental Reimbursement: What happens when your vehicle breaks down and you don't have a way to get around while you are traveling? With rental reimbursement, you'll have the ability to rent a vehicle while yours is inoperable.
There's a lot to consider with RV insurance, but the right plan can be customized to meet your unique needs. Before you stretch out in your RV and relax under the sun, be sure your vehicle is well protected as your home away from home.

Do you have enough coverage? Call Miller Insurance Agency at (409) 899-9531 for more information on Beaumont TX RV insurance.
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