Recreational Vehicles Insurance
Motor Home Insurance
Understanding Motorhome Insurance in Texas
A motor home is much more than a mode of transportation. It is more than something you take out once or twice a year. For some, it means freedom. A motor home gives you the ability to travel all over, to visit places you have always wanted to see, a great way to spend retirement, and a useful tool that helps bring the family together on weekends or the entire summer.
Motor homes that are driven in the state of Texas require a minimum of liability insurance, regardless of how often it is driven. If it goes onto public roads, it must be insured. This is separate from your regular automobile insurance as it is its own vehicle. For any campers or RVs that attach to your vehicle, those should be covered by your regular policy.
Even without a state requirement, it is vital to protect your motor home. In fact, it should be a top priority. Your motor home is an investment, just like a house or car. So, making sure your investment is covered in case of an accident or other external issues should be taken care of before you hit the road. It would be horrible to lose the freedom you love because you do not have the coverage you need to protect it.
Broken Spoke Insurance in Texas wants to help you protect your home on wheels. If you currently have a motor home policy but are unsure if you have enough coverage, or you feel you are paying too much, we will be happy to help you understand your policy and any additional coverage you may need. We also want to help you attain the best insurance rates possible for the model of your motor home and your lifestyle. Give us a call or stop by Broken Spoke today for your free, no-obligation quote.
Getting RV Insurance in Texas
Figuring out the classification of your RV can be the first step toward getting RV insurance. Prices can vary depending on the size of the RV, so it helps to know the proper classification. The term recreational vehicle will cover a wide range of cars that usually will have some kind of living quarters. This can include trailers, motorhomes, truck campers, caravans, fifth-wheel trailers, and pop up campers.
RV insurance is mandatory in the state if you want to operate the vehicle. RVs that are driven by themselves will need their own insurance policy that will meet the minimum requirements for liability insurance in Texas. RVs that are attachments to another vehicle can be covered under different policies. If the RV is being financed or leased, then the dealership will usually require that you have full insurance coverage to protect the vehicle. How you are using the vehicle will also play a role. If you are living in your RV, then you want to make sure that you have full coverage, including insurance for the contents.
What Does RV Insurance Cover?
There are different coverage options you can get to protect your RV fully. An agent at Broken Spoke Insurance can help you determine the right coverage for your vehicle.
- Collision Coverage : This will cover your RV if it is damaged due to an accident.
- Comprehensive Coverage : This insurance will cover the RV if it suffers from non-crash related damages, such as vandalism or storms.
- Contents Insurance : This coverage will protect the items that you keep inside your RV.
- Roadside Assistance : RVs can break down just like your car, and with this coverage, you can get assistance for tire changes or tow.
- Other Options : Many Texans will want to travel outside the state and to Mexico. Speak with an agent to make sure you are still covered if you travel out of the state or the country.
Contact Broken Spoke Insurance to get a quote on RV insurance.
Broken Spoke Insurance: Your Home for Texas Motorcycle Insurance
Texas is a motorcyclist's dream! The warm weather, the long stretches of the open road, and the hundreds of miles from city to city can make traveling through the state an adventure. If you're riding your motorcycle in Texas, you must be aware of state-specific laws for insurance coverage. At Broken Spoke Insurance, we're here to help you meet all legal insurance requirements so that you stay safe and covered while riding your bike.
Motorcycle Insurance Requirements in Texas
Like most states, Texas requires that all motorcyclists have insurance to cover them in case of property damage or an accident. You're required to purchase an insurance policy that includes at least $30,000 in bodily injury coverage for each injured person in the case of an accident, $60,000 for bodily injury coverage per accident, and at least $25,000 in property damage coverage. Many motorcycle insurance policies offer coverage limits above this amount and we recommend it.
While these are the minimum requirements to stay legal, it's a good idea to bump up your coverage. Unfortunately, Texas has an extremely high rate of uninsured drivers- we rank third in the nation for this unfortunate statistic. This means that if you're involved in an accident, there's a good chance that the other driver may be uninsured or underinsured. You want to protect yourself. Having additional coverage can save you vast amounts of money in medical bills and bike repairs.
Call Broken Spoke Insurance in Texas
If you're ready to hit the open road on your motorcycle, we're here to make sure you're adequately insured. Stop by our conveniently located office or call us and we'll chat about different coverage options for you and your bike.
We look forward to helping you enjoy your bike for years to come.