Texas RV Insurance Policy
(Recreational Vehicle)

The value of good recreational vehicle insurance often
doesn't become apparent until you really need it.
Whether it's a minor fender bender or a more substantial
accident, it pays to have Texas RV insurance coverage
you can count on.
Let one of our experienced Texas RV insurance policy
specialists explain the different Liability limits, Collision,
Other Than Collision, Personal Injury Protection,
Uninsured Motorist, and Medical coverages, as well as
Full-Timer coverage, Vacation Liability coverage, Total
Lost Replacement Cost coverage for newer RV's, and
the deductibles that are available for you to choose
from. We offer affordable recreational vehicle (RV)
insurance policies from leading insurance companies
serving Texas.
Learn more about Texas RV Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for a Texas
RV Insurance policy that will provide excellent RV insurance coverage at
an affordable cost. Or you can speak with our Texas RV Insurance
specialist toll free at (800) 747-6140 to discuss the policy features.
We are a Sugar Land, TX insurance agency offering affordable Texas RV
insurance policy premiums in the following towns, cities and counties in
southeast Texas: Meadows, Town West, Four Corners, Crabb, Booth,
Thompsons, Fresno, Manvel, Pleak, Kendleton, Eagle Lake, Sandy Point,
Beasley, Rosenberg, Richmond, Orchard, Fulshear, Juliff, Arcola, Needville,
Frydek, Rosharon, Bonney, East Bernard, Lissie, Elm Grove, Spanish Camp,
Wharton, Guy, Bellville, Wallis, Pasadena, Deer Park, Houston, Pearland,
Galena Park, Jacinto City, La Porte, Bellaire, West University Place, Cloverleaf,
Beaumont Place, Spring Valley, South Houston, Iowa Colony, Hilshire Village,
Humble, Houmont Park, Friendswood, League City, Alvin, Mission Bend,
Stafford, Missouri City, Texas City, Webster, Dickinson, Baytown, Channelview,
Highlands, Seabrook, Bacliff, La Marque, Jersey Village, Lake Jackson, Surfside
Beach, Algoa, Santa Fe, Barker, Katy, Sealy, Dayton, Angleton, Freeport,
Bammel, Kohrville, Bay City, Brenham, Addicks, Brookshire, San Felipe,
Hockley, Waller, Prairie View, New Caney, Beach City, Nassau Bay, North
Houston, Hempstead, Tomball, The Woodlands, Burr, Iago, Boling, Peters, Cat
Spring, Burleigh, Waller County, Wharton County, Brazoria County, Harris
County, and Fort Bend County, TX. We can also offer inexpensive Texas RV
insurance policy premiums throughout the Lone Star state, including in
Beaumont, Austin, Waco, Fort Worth, Dallas, and San Antonio, TX.

Covers damage caused to the insured RV from a collision caused by a driver of your
RV. The deductible is the amount you choose to pay upfront (if any) before the Texas
RV insurance policy pays. The higher the deductible chosen the lower the collision
coverage cost within the Texas RV insurance policy.
This coverage comes into play when an at-fault driver has RV, auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage
This type of RV insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident
caused by a driver who has insufficient RV, auto or motorcycle insurance
coverage. The RV insurance coverage typically pays the difference between the
coverage limit you select and the other driver's bodily injury coverage limit. This is
not a required Texas RV insurance policy coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your RV is damaged in an accident caused by a driver who has
insufficient insurance coverage. This coverage pays the difference between the
coverage limit you select and the other driver's property damage coverage limit.
This is not a required RV insurance coverage in Texas.
Texas RV Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Texas RV
Insurance policy that will provide excellent insurance coverage at an affordable
cost. Or you can speak with our Texas RV Insurance specialist toll free at (800)
747-6140 to discuss the insurance policy features in more detail.
Covers damage caused to the insured's RV (your RV) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the Texas RV
insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the Texas recreational vehicle insurance
policy.
Texas RV Insurance Policy FAQ
Texas RV Insurance Policy FAQ
Texas RV Insurance Policy FAQ
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
RV insurance policy. The minimum liability insurance coverage available for
purchase in Texas is 30/60 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the minimums set by the state of Texas and are listed below. Contact
us toll free at (800) 747-6140 to discuss what liability coverage amounts you require
to meet your family and personal needs.
Texas Liability Coverage limits explanation:
30/60/25 30=$30,000 - 60=$60,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Texas Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, RV, car, truck, fence, or house, is covered through property damage
RV insurance coverage. This coverage also assists in protecting you if a lawsuit
arises from an accident. The minimum coverage amount in Texas is $25,000.
Texas RV Insurance Policy FAQ
Texas RV Insurance Policy FAQ
Texas RV Insurance Policy FAQ
30/60/25 30=$30,000 - 60=$60,000 - 25=$25,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at
fault driver who has no auto liability insurance. This coverage is not required in a Texas
RV Insurance policy. Contact us to discuss what uninsured coverage amounts you
require to meet your family and personal needs.

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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Texans Insurance
& Financial Group
101 Southwestern Blvd.
Suite 230
Sugar Land, Texas 77478
Fort Bend County, TX
Office: (281) 277-7800
Toll Free: (800) 747-6140
Fax: (281) 277-7801

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Medical Payments Coverage pays doctor, hospital and surgical bills, up to the per
person limit you select. Claims against this coverage include all reasonable
hospital, surgical, chiropractor, X-ray, dental, professional nursing, and prosthetic
expenses. It will also cover you or members of your family if you are hit by a RV
when you are walking or if you are riding in another RV. This coverage will pay for
your medical expenses even if you cause the accident. This coverage protects
you, your family and anyone riding in your RV and anyone driving your RV with your
permission.
PIP pays for medical bills, lost income, household services replacement costs
and funeral bills resulting from a RV accident up to the per person limit you select.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses.
It will also cover you or members of your family if you are hit by a RV when you are
walking or if you are riding in another RV. This coverage will pay for your medical
and funeral expenses even if you cause the accident. This coverage protects you,
your family and anyone riding in your RV and anyone driving your RV with your
permission.
Texas RV Insurance Knowledge

Just like your solid concrete floored home, RV's are vulnerable to theft, as well as damage and risk of
property injury. An insurance company views an RV as a home because you can live in them for extended
periods of time.

Because of the high cost of most RV's, it's a good idea to purchase total replacement coverage, so that in the
event of a large accident that totals your RV you will be reimbursed for a complete replacement of the RV,
instead of only for its current market value.

RV Specific Insurance Coverages to Consider Include:

Vacation Liability - Pays for bodily injury and property damage that occurs at a vacation site, such as an RV
Park

Roadside Assistance - Covers charges when you break down and need help or run out of gas

Theft / Vandalism - Reimburses the owner for items stolen from the RV or damaged in a break-in theft

Property Damage - Pays to repair the damages an RV driver causes someone else

Uninsured / Underinsured Motorist - Covers repairs when the driver at fault doesn't have enough
insurance to cover the damages-or any insurance at all. This could be very important considering the cost of
your RV and the ability of someone elses insurance to cover the damage.

RV owners should take these RV specific coverage options into serious consideration before just adding their
RV to a regular car insurance policy.