Recreational vehicles are an exciting way to travel cross-country without dealing with the hassle of flying or the cramped quarters of a car. If you long to experience the open road in your recreational vehicle but are concerned about getting specialized motor home insurance, let Tri-Star Insurance Professionals Inc. in North Dallas, Plano and Frisco find you the perfect package that will fit all your RVing needs.
The amount of coverage you will need on an RV insurance policy depends on several factors and differs by state. Whether or not you want to protect your vehicle, family or both will play an integral role in the type of policy you will get.
RV coverage to protect your vehicle includes:
- Collision coverage
- Towing and Labor
- Gap coverage
- Permanently attached items coverage
RV coverage to protect you and others includes:
- Uninsured and underinsured drivers
- Medical expenses
- Personal valuables coverage
There is a distinction between a standard automobile policy and recreational vehicle insurance even though you can use the auto policy on an RV. Motor home insurance will cover parts of the vehicle such as the awnings, slideouts and stairs that an auto policy will not cover at all. If you have a towable camper you will need a separate policy altogether, although some insurers will combine it with an RV policy. In order to get an accurate quote, furniture, appliances and other personal items should be appraised beforehand.
Even if you think having an extended warranty on a recreational vehicle may be enough coverage, you may want to consider an actual insurance policy. A warranty will cover engine repairs and appliances but not accidents. Tri-Star Insurance will give you all the information you need to make a smart decision.
The cost of a motor home insurance policy will vary depending on the make and model of the RV, the total value of the vehicle and how many additional drivers will need coverage. The driving history of the principal driver is also an important factor. Naturally drivers with a large amount of tickets and accidents on their record will pay more. As different states have various requirements for RV coverage, the primary location of the motor home will affect the cost as well. When everything is taken into consideration, a good policy will offer complete replacement of an RV less than five years of age that is totaled in an accident. For an older model, you should be able to get back the purchase price.
The amount of time you spend in your motor home also is important when choosing the right policy. Fulltimers, people who claim their RV as a primary residence, will need the same type of coverage as any homeowner. This includes property protection for the space in and around the vehicle. At the opposite end of the spectrum is suspension of coverage which is perfect for people who only venture out in their RV a few times a year and only want to pay for coverage when they need it.
When you leave the North Dallas, Plano and Frisco area on your RV adventures, don’t forget that Tri-Star Insurance is waiting back home. Have a great time with your family without worrying about what may happen while you are traversing across U.S. highways. Call 214-387-0600 or toll-free at 1-800-880-4600 today to find out more about motor home insurance and the coverages available.
Driving Directions and Maps
Texas Escapees RV Club
Texas Department of Insurance
Car insurance is a necessary yet expensive evil that all automobile owners just can’t go without. Even though sometimes it may be tempting to just cancel your policy and take a ride on the wild side, it is extremely unwise to forgo coverage altogether. However, depending on your vehicle and the state you live in, you may not need to purchase the most comprehensive plan on the market. Tri-Star Insurance Professionals Inc. in North Dallas, Plano and Frisco can help you choose a policy that will fit your needs without draining your wallet.
For most people just getting the bare minimum in insurance requirements is top priority such as liability insurance, which is required by most states. In the event of an accident, if you are judged to be the legally liable party, then you are at risk of being sued for the full cost of damages, which may include property, medical and lost income. Liability insurance protects you up to a certain amount from any negative financial impacts that a lawsuit may impose upon you. Unfortunately, if the total cost of damage exceeds the amount of your liability insurance, you might have to face paying out of pocket expenses. State liability coverage requirements differ greatly and are always specified as the minimum amount. It is up to you whether or not you want to raise the amount for extra protection.
Another form of coverage you may want to consider is collision coverage, which pays for the repair or replacement of your car regardless of who is at fault in an accident. The amount of coverage available depends on the market value of your car and how much it would cost to repair it. This kind of coverage is usually unnecessary for older cars because the coverage is limited to the cash value of your car, which may not be much. In some cases a deductible may even exceed the worth of an older vehicle. However, if you feel you need this kind of coverage and want to keep your premiums low, select a larger deductible that you are sure you can afford to pay out of pocket.
If your car is ever the unfortunate victim of a theft or subjected to the wiles of Mother Nature such as a flood, fire or animal attack, then a comprehensive plan will pay to fix your vehicle less the deductible you have chosen. This kind of coverage is perfect for people with newer cars because they are worth more. Also, if your car is leased the finance company will most likely require you to carry comprehensive coverage.
Whether or not you drive a luxury sedan or an old beater you should always consider purchasing Personal Injury Protection (PIP) even if you live in a state that does not require you to have it. PIP not only covers your own medical expenses in the event on an accident, but also any insured passengers. This kind of coverage is especially important for people that don’t have sufficient health insurance.
Always remember to study up on available insurance policies so that you don’t end up paying for unnecessary coverage. The experts at Tri-Star Insurance are willing to help you pick the perfect policy. Just call 214-387-0600 today!
Insurance Information Institute
Texas Department of Insurance