You’ve invested considerable time and money purchasing a recreational vehicle, so you want to make sure you protect it with RV insurance. This is particularly true if you'll be spending long periods on the road far from home. Below are some of the key facts to know about this type of coverage.

What to Know About RV Insurance

What Vehicles Need RV Insurance?

You need RV insurance if you operate a motorized recreational vehicle, such as a Class A, Class B, or Class C motorhome, truck camper, or a camper or modified conversion van. Typically, fifth wheels and travel trailers need only camper insurance because they don’t have engines. 

What Does RV Insurance Cover?

RV insurance covers much of what auto insurance does. It offers collision coverage, which pays for damages you sustain in an accident, as well as comprehensive coverage, which pays for losses due to fire, flood, storm, vandalism, and theft. It also covers property and bodily injury liability if you should cause an accident and injure someone or damage their property. It pays for repairs, medical treatments, and legal fees. You can also buy optional coverage to protect your belongings, awnings, satellite dishes, and other accessories. 

What Factors Affect RV Insurance Cost?

The size and type of the rig, its age, and condition are likely the most important factors. Also, the amount of time you spend in it plays a role. For instance, if you live in it full-time, you will pay more than if you use it occasionally. Your driving history, claims history, and credit rating also affect the cost.

For expert assistance designing an RV insurance policy, contact JMS Insurance Agency in Stafford, TX. Since 1998, they have served individuals and businesses throughout Fort Bend, Harris, and Montgomery counties. Along with RV insurance, they also specialize in auto, business, life and home insurance. Call (281) 494-1500 to work with an experienced insurance agent or request an online quote through their website.