The RV category includes both towable trailers and self-powered RVs. The distinction between towed and powered determines certain insurance needs, but other insurance requirements depend on how much you use the RV, where you use it, and the property it contains. The team at Shavano Insurance Agency LLC serves San Antonio, TX, and the surrounding area. We are here to help you find the RV coverage that fits your needs.
Types of RVs and Their Insurance Requirements
Texas law requires motorized RVs to have auto insurance to cover accidents you cause, while towed trailers or RVs do not need auto insurance. Class A, B, and C RVs are motorized and have minimum insurance requirements covering $30,000 per person and $60,000 per accident for injuries, and $25,000 for property damage. The towing vehicle covers the liability for accidents involving towed RVs, so the towing vehicle needs to be insured. Owners with towable RVs often upgrade the towing vehicle policy to handle higher liability levels.
The motorized versus towed distinction disappears when discussing collision, comprehensive, and other insurance. While not required by law, most owners insure their vehicle or trailer against damage when it is involved in an accident, stolen, vandalized, or otherwise damaged.
Other RV insurance options, such as full-time RV insurance, HOA fees, vacation liability, personal property and attachments, adjacent structures, roadside assistance, and temporary lodging assistance, apply to both motorized and towed RVs. Their value depends on your RV usage, so discuss each option with your agent.
Work with Shavano Insurance Agency LLC for Your RV Insurance Needs
Our Shavano Insurance Agency LLC team serves RV owners in and around San Antonio, TX. We can help develop a plan for your RV and other insurance needs, so call us today at (210) 762-6777 or stop by the office.
