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Your RV is your home away from home, so it must endure the abuses of daily life as well as the punishment of over-the-road travel. To protect it against damage, theft, vandalism, and other threats, you need reliable RV insurance. But coverage can be complicated. To help you understand what is available, Integrity Insurance Solutions in San Marcos, TX, discusses some of the options to consider when buying coverage for your recreational vehicle.

RV Insurance Options to Consider

Full-timer Coverage

If you are a full-time traveler and your RV is your primary residence, you can buy full-timer coverage. It typically removes the exclusion that you cannot live in the vehicle and adds a comprehensive liability policy similar to that of home insurance coverage.

Campsite & Vacation Coverage

TRV insurance in San Marcos, TXhis is a liability policy that protects you against liability while you are at a campsite or on vacation. It pays for damages and injuries you cause and covers legal expenses arising from an unfortunate incident during your time away from home. It is not available to full-timers.

Motorhome Breakdown Insurance

This covers towing and roadside assistance should your motorhome break down and leave you stranded on the road. It covers removal and transportation to a repair facility, even if the RV requires special towing equipment because of its size and weight. It also covers fuel delivery, jump starts, and tire replacement.

Uninsured & Underinsured Motorist Coverage

If the cost to repair your vehicle exceeds the limits of the at-fault driver's policy, either because they do not have insurance at all or because they've chosen minimal coverage, uninsured and underinsured motorist coverage comes into play and helps you pay for the additional repair costs. It is a valuable coverage that protects you from financial loss due to no fault of your own.

To buy high-quality recreational vehicle insurance at an affordable rate, contact Integrity Insurance Solutions in Hays County. This versatile agency also specializes in home, business, and auto insurance, so they're a one-stop shop for all your coverage needs. Visit their website for information on their affiliates, or call (512) 396-2211 to request an insurance quote.

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