RV Insurance in Texas
Whether you paid cash for your RV or took out a loan for its purchase, insurance is a must to protect your investment. At Hays and Hagan Insurance in West Columbia, TX, we can provide you with comprehensive RV coverage suited to your particular RV unit and lifestyle. A customized RV insurance policy gives you accurate protection that meets Texas RV insurance requirements and fits within your budget.
Texas RV Insurance Requirements
Like auto insurance, Texas requires that RV owners carry minimum liability coverage to fulfill their responsibility of protecting others on the road. Liability insurance covers injuries and property damage to other drivers, passengers and pedestrians in the event you cause an accident.
As RV accidents can result in serious injuries and/or extensive damage, you’d do well to purchase as much liability coverage as you can afford to protect your assets against serious RV mishaps that can lead to a lawsuit. If you’re sued for damages due to an accident you cause, liability coverage will help cover your legal costs.
Optional RV Coverage
Liability insurance protects other drivers, not your RV investment. To protect your RV, consider obtaining collision, comprehensive and/or uninsured/underinsured motorist (UM) coverage.
Collision insurance compensates you for damage to your RV if you crash into another vehicle or object, i.e. telephone pole, tree, etc. Comprehensive insurance covers repairs to your RV if it’s damaged by non-collision incidents like falling objects, hail, vandalism or animal strike. It also protects your RV against theft by compensating you for its current market value.
UM insurance pays for your injuries and damage to your RV if you’re hit by someone with insufficient coverage or are the victim of a hit-and-run accident.
If you’ve taken a loan for your RV, your lender may require that you obtain collision, comprehensive and UM insurance to protect his investment.
For quality RV insurance protection at affordable costs, call or visit Hays and Hagan Insurance in West Columbia, TX.