RVs are motor vehicles that generally have the same legal requirement for insurance as cars. While not legally required, RVs should also be insured with elements like a home, so it helps to work with an agent who will tailor the coverage to your needs. Our Integrity Advisors Agency LLC team provides RV insurance coverage for many San Antonio, TX, area customers, and we hope to provide you with the same outstanding service.
Comparing RV and Auto Insurance
Texas law requires motorized RVs to carry the same minimum liability insurance coverage as automobiles. The coverage for bodily injury liability is $30,000 per person and $60,000 per accident; for property liability coverage, it is $25,000 per accident.
RV owners commonly carry more than the minimum bodily injury liability coverage due to RVs’ ability to have more people than cars. Due to their size, RVs involved in accidents also cause more damage than cars, so owners should carry more property liability coverage.
On the other hand, RVs also need insurance resembling home insurance policies, including:
- Vacation Liability to cover bodily injury and property damage in and around your parked RV.
- Personal Property and Attachments covers appliances, electronics, clothing, and other household items in and around your RV.
- Homeowners Association Fees pay for HOA assessments due to damage to common areas.
- Roadside Assistance coverage helps since auto roadside assistance plans seldom cover vehicles the size of RVs.
- Temporary Lodging coverage pays your living expenses when your RV needs repairs while you are traveling.
Insuring Your RV With Integrity Advisors Agency LLC
The Integrity Advisors Agency LLC team serves clients in San Antonio, TX, and the vicinity. We look forward to helping you obtain your RV and other insurance coverage. Call (210) 641-4000 or stop by our office.
