Get Directions
Motorhome insurance exhibits similarities with both auto and home insurance. In Texas, motorhomes must meet the exact minimum insurance requirements as cars. However, coverage for the motorhome’s interior and personal belongings is optional. Our team at Collum Insurance Group LLC, serving Richardson, TX, is here to help you find the best motorhome insurance that suits your needs.
Auto Insurance-Like Aspects of Motorhome Insurance
Certain facets of motorhome insurance coverage in Texas overlap with auto policies. For instance, Texas law necessitates motorized RVs to hold "auto" insurance, covering a minimum of $30,000 for bodily injury per person and $60,000 per accident, in addition to $25,000 in property damage per accident. Most policies also include coverage for underinsured motorists. Other optional coverage that bears resemblance to auto policies includes:
- Collision: Covers damage to the motorhome.
- Comprehensive: Insures against non-collision damages resulting from vandalism, hail, or other incidents.
- Roadside assistance: Given the substantial size of motorhomes, which exceeds vehicle size limits for most auto towing packages, motorhome owners typically add this coverage to evade out-of-pocket towing expenses.
Home Insurance-Like Facets of Motorhome Insurance
Motorhomes harbor similarities with homes on wheels as they house personal and household items. Typically, motorhome policies include personal property coverage, though coverage limits often fall short of the cumulative value of the owner’s clothes, electronics, appliances, and decor. It’s prudent to assess and periodically update your motorhome’s personal property value. If your personal property surpasses the policy limits, consider incorporating a rider to expand your policy limits, thereby ensuring adequate protection.
Experiencing the Collum Insurance Group LLC Difference
Given the many choices inherent in motorhome insurance, engaging with a reputable insurance agent is beneficial. Our Collum Insurance Group LLC team, serving Richardson, TX, will guarantee that your motorhome and other insurance coverage align seamlessly with your needs. Call us today at (972) 387-1863 to arrange an appointment.