Whether you use your RV for weekend outings or explore for days at a time, you need to protect your asset with RV insurance. This specialized coverage safeguards the vehicle’s components and provides assistance if you experience an accident, breakdown, or equipment failure. Here are some reasons why you should invest in this policy. 

Why You Need RV Insurance

1. Protection From Liability 

RV policies generally contain liability coverage, which protects you if someone is injured during an accident. Since these vehicles are often used for outdoor adventures, it’s common to drive RVs or tow trailers on stretches of remote or rough roads for long periods. Freeway accidents can be dangerous because of the high speeds involved, so it’s essential to have liability protection that covers medical expenses for your passengers. 

2. Loss Protection

Comprehensive auto policies offer loss protection so that you can recoup the cost of your vehicle if it’s totaled. Comprehensive RV insurance works the same way, but the coverage includes interior components like appliances and TVs, as well as exterior items such as satellites and awnings.

3. Roadside Assistance 

Many RV policies include roadside assistance, which allows you to get help if your vehicle breaks down. This aspect of your policy will often include coverage for towing up to a specified number of miles if your vehicle is inoperable. Without RV insurance, towing costs can quickly add up, making roadside assistance invaluable for trips of all lengths. 

4. Protection From Other Types of Damage 

RV incidents aren’t confined to roads. Weather, theft, vandalism, and fire are some other events that can cause serious damage to your vehicle. Insurance policies often include the option to add on coverage for these additional risks if you want to have full protection on and off the road. 

If you need RV coverage, contact Texas Brand Insurance in Hubbard, TX. They have more than 35 years of experience in the insurance industry and offer several coverage options for RVs, houses, cars, and boats. Call (254) 576-1180 to speak with a knowledgeable agent, or view what they have to offer online.