Recreational Vehicle Insurance in El Paso, TX
Regardless of how you use your recreational vehicle, insurance is key to keeping your travels worry-free. This policy may cover damage, theft and liability, which helps you avoid unexpected costs. In case of a sudden storm damaging your vehicle, an accident while traveling or a break-in at a campsite, having the right coverage can make all the difference.
Do I Need RV Insurance? 
Texas requires proof of financial responsibility, which most drivers satisfy by purchasing insurance. The requirements for RVs depend on your vehicle type. If your RV is a drivable vehicle like a motorhome, you must carry an auto insurance policy with liability coverage. For non-motorized RVs, such as travel trailers and fifth wheels, your auto insurance may provide liability coverage while towing but typically won’t cover damage to the trailer. It’s recommended to obtain a separate RV insurance policy to avoid potential losses.
What Does RV Insurance Cover?
You can tailor your RV insurance policy to address different needs. Some of the popular coverage options include the following:
- Liability protection may cover property damage or bodily injuries you caused to others.
- Collision coverage may pay for repairs to your RV after an accident.
- Comprehensive coverage may cover noncollision events like theft, fire or severe weather.
- Personal belongings coverage may provide funds to repair or replace items inside the RV, such as electronics or camping gear, if stolen or damaged by a covered event.
- Uninsured and underinsured motorist coverage may provide financial aid after an accident with an at-fault driver who lacks insurance.
- Medical payments coverage may pay for medical treatments for you and your passengers after an accident, no matter who’s at fault.
Get Tailored RV Insurance Solutions
Let Omega Insurance Agency craft the ideal insurance strategy for your RV. Contact us today to learn more about our affordable RV insurance plans.