subject: Texas RV Insurance: Don't hit the road without it [print this page] Texas RV Insurance: Don't hit the road without it
If you bought a tractor trailer, you wouldn't add it to your car insurance policy. It's a specialized vehicle and needs special coverages and claims handling.
So why do more than half of the RVers surveyed by Progressive Insurance add their RV to their car insurance policy?
"We don't know why, but we know why they shouldn't," says Cathy Pelfrey, RV Insurance Texas product manager with Progressive.
For example, what if
your RV breaks down on a trip?
While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you're responsible for paying.
"Through Progressive Insurance, we can offer specialized roadside assistance for RV's, says Jesus Olivares, agent at Texas Prime Insurance, an independent insurance agency out of Austin, TX. "a simply blow out on an RV can be very costly. One of my customer had a blow out that cost $700 and it required special handling. Progressive Insurance covered this!"
your RV is involved in a crash?
Auto insurers typically have someone who normally handles car insurance claims inspect your RV. Specialty RV insurers train claims rep to look for damage and write estimates specific to RVs. They also work with repair facilities in Texas that know how to repair an RV and guarantee the work.
"You really need an expert to handle an RV claim," says Jesus. "RV parts and repair is a completely different animal compared to autos. Also, in an RV policy, you have the option to select replacement cost. An auto insurance policy typically only offers actual cash value, this can mean a lot of money for an RV owner."
the stuff in your RV is stolen?
You may keep things inside your RV that you never keep in your car like jewelry, laptops and camcorders. Your auto policy won't pay to replace these items if they're lost, stolen or damaged. Specialty insurers offer "personal effects" coverage that will pay to replace them if they're used with your RV.
"An auto insurance policy will absolutely not cover personal effects," says Jesus. " A Texas RV insurance policy can cover all your personal effects and we can even choose replacement cost."
RV insurance is too expensive?
RV Insurance in Austin and Texas in general can be very inexpensive. It will generally cost less than your auto insurance.
"Although it may be more expensive to have an RV insurance policy compared to adding this to your auto insurance, you get more coverage for you money," says Jesus. "In addition, an RV policy will cover vacation liability, specialized roadside assistance, vacation extra expenses, replacement cost value, etc. You simply get a better deal."
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