Motorhome Insurance Basics To Remember

Atzenhoffer Insurance Agency serves the Victoria, TX community. We are an independent agency. We have relationships with multiple carriers throughout the South. This allows us to offer our clients a variety of options. We are confident that we can help you find the coverage you need regardless of your situation.  Professionalism and integrity are our core values.

Motorhome Insurance Basics To Remember

Many Texas residents enjoy settling in their motorhomes. Perhaps you plan to take a fun vacation in the summer. Motorhome insurance offers a layer of protection as you deal with potential risks. Operating a motorhome can be dangerous at times. Motorhome insurance covers your asset if you are involved in a collision. Liability coverage steps in if you are responsible for the damages. In the event that you are traveling with friends and family, liability coverage protects you if someone gets injured in the motorhome. You can add personal injury protection to cover your medical treatment if you are injured.

Comprehensive coverage protects your motorhome in multiple ways. If you plan to camp out for a few days, comprehensive coverage protects you if someone breaks into your motorhome and steals your possessions or attempts to vandalize it. You always have to be aware of the constantly evolving weather conditions. Comprehensive coverage protects you if your motorhome suffers damage due to a natural disaster moving through the area.

If you plan to take a long-distance trip out of Victoria, TX, you can add emergency roadside assistance. This ensures that you will receive urgent attention if your motorhome breaks down due to engine failure, or you have a flat tire.

Atzenhoffer Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about motorhome insurance.

What should my Victoria, TX motorhome insurance cover?

Every motorhome is unique. Serving as both vehicles and homes, motorhomes can serve a variety of purposes. With numerous sizes, costs, and upgrades, owners can customize their experience. Luckily, motorhome insurance is just as diverse.

Finding the right coverage is just as essential as selecting the perfect motorhome. Serving Victoria TX, Atzenhoffer Insurance Agency understands the importance of finding an individualized policy. Their agents explain six items to consider when purchasing motorhome insurance.

Collision insurance

Your motorhome will spend a lot of time on the road. For this reason, even the most basic policies include collision coverage. This applies no matter who is determined to be at fault.

Comprehensive coverage

Outside of an accident, any other damage falls under comprehensive plans. Most plans will list what incidents are protected, but they may include natural disasters, theft, and vandalism.

Liability

Liability is an extra layer of protection in the event you or someone else is hurt during an accident. If you are found at fault, bodily injury liability has you covered.

Personal property

This is another form of liability. However, it protects possessions and belongs instead of individuals. Although there may be some overlap with homeowner’s policies, this covers motorhomes if they are damaged, destroyed, or stolen.

Uninsured motorist

Uninsured motorist coverage kicks in if another driver has inadequate insurance. This could compensate you for medical expenses, property destruction, and lost wages.

Optional add-ons

On top of this, there are countless options to add to any motorhome insurance policy. This list includes roadside assistance, storage protection, and loss of use expenses.

Contact the Atzenhoffer Insurance Agency

Located in Victoria, TX, the agency is here to help. Their experts can answer questions, discuss your needs, and create a policy that protects you and your family. Schedule an appointment today.

How to cut maintenance costs for your motorhome

Buying a motorhome is rewarding as it can take you anywhere you want to be and back home without breaking the bank. However, it can quickly empty your bank account if you’re not careful with maintenance costs. At Atzenhoffer Insurance Agency, we recommend conducting routine maintenance to ensure your motorhome is in tip-top condition every time you head out. The last thing you want is to get stuck in an unknown location far from Victoria, TX. Simple practices like cleaning go along away towards keeping every system in great condition.

Prioritize seasonal maintenance

Skipping or ignoring simple maintenance routines can dent your wallet when they escalate to bigger problems.  Simple practices like storing your motorhome in an enclosed structure away from elements, routine cleaning and dusting the entire unit, and changing worn-out parts play a huge role in keeping maintenance costs low.  Make sure all the unit’s systems are running smoothly and keep the rig in good condition to avoid malfunctioning.

Avoid fake or look-alike parts

You did a pretty great job finding and buying your motor home. The last thing you want is to install a system that ends up damaging other parts of the motorhome.  Be careful when sourcing spare parts, as there are so many fake items out there. Inquire about prices and seek help from an expert before buying any part in Victoria, TX.

Hire a qualified mechanic

Your motorhome mechanic significantly determines your maintenance costs. To save big, get a professional mechanic to handle your motorhome. Professionals always go extra when conducting inspections to prevent future problems. They will break down costs and advise you accordingly every time your RV has a problem.

Don’t forget about your RV insurance policy. Keep it updated to make sure you have enough coverage. If you need help with your policy or are looking to buy a new policy, Atzenhoffer Insurance Agency can help you find a policy that fits your needs. Call us today.