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The climate of Richardson, TX, means more sunny days for road trips. At Collum Insurance Group LLC, we want you to understand your RV’s insurance requirements so you don’t get any unwanted tickets while traveling.
Motorized RVs require separate insurance.
In the U.S., owners of motorized RVs must insure their vehicles. Although a fifth wheel doesn’t require RV insurance, it is still a smart idea to insure it against loss. Not sure what kind of RV you own? Let’s review.
A recreational vehicle (RV) has two main formats: motorized or towed. A motorized RV or self-propelled motorhome doesn’t require a separate vehicle to tow it; a driver can step inside the RV and drive it.
A towed RV refers to a fifth-wheel, truck camper, or popup camper. It requires a tow hitch on a truck or SUV to attach to the motorhome. Without the truck or SUV, the fifth wheel or camper would sit where you parked it.
Insurance Differences in RV Types
As long as you can drive the RV itself, meaning it’s motorized, it would help if you bought an RV insurance policy for it. You cannot use the insurance you purchased for your truck or SUV to cover your liability or damages to your own motorhome.
Conversely, the law of each state considers a fifth wheel or camper installed onto a truck as it would a trailer hauled by a truck or SUV. The insurance you bought for your automobile covers your liability while towing your camper or fifth wheel.
Here’s why you still need to buy an RV policy: the insurance on your truck or SUV won’t cover the cost of repairing or replacing your towed RV or the items stored in it. Imagine purchasing your fifth wheel out-of-pocket a second time and replacing everything you towed in it, too! Instead of spending that money, save it by buying an RV policy.
Contact Our Insurance Agents Today
Contact Collum Insurance Group LLC today for an RV policy that protects you from financial loss. Don’t leave your Richardson, TX, driveway without an RV policy that protects your vehicle and personal belongings.