Types of RV Coverage Available

The RV insurance agents at the Atzenhoffer Insurance Agency in Victoria, TX are touting the importance of having the appropriate amount of insurance in place for your RV (Recreational Vehicle).

In the state of Texas, all vehicles that are driven on the public streets and roads must be insured with at least a minimum of liability insurance. RV liability insurance will protect you if you become involved in an accident that is your fault since it will cover any medical bills that are incurred by the other driver and that person’s passengers as well as any property damage that was caused. You may also want to have uninsured and underinsured motorist coverage to protect you in the same way if you are involved in an accident with someone who caused it to happen but does not have any insurance or not enough insurance in place.

Comprehensive and Collision Insurance Coverage

If you owe a bank or lender for money that you borrowed to purchase your beautiful new RV motorhome, you are probably required to have both comprehensive and collision insurance in place. If not, these are great policies to have to protect the investment you made in your RV. Comprehensive insurance will help fix or replace your RV if it is damaged or destroyed by an act of vandalism, a natural disaster such as a tornado or hurricane, or a fire. It will also help replace your RV if it is stolen while collision insurance will pay for repairs to your RV if you collide with another vehicle or an object.

Get Your Policy Started

To obtain a quote and get your policy started right away, contact the agents at the Atzenhoffer Insurance Agency in Victoria, TX today!

FAQ About Texas RV Insurance

When you are looking for RV insurance, the process can feel overwhelming, whether you are a first-timer or a full-timer, or just love your RV for life’s little adventures. There is coverage for everything when you have an RV.
There is the minimum liability coverage, and a variety of other add-ons that you can get to ensure you have the most comprehensive coverage. 

At Atzenhoffer Insurance Agency, we want Victoria, TX residents to have all of the RV insurance coverage that they need. Get answers here to some of your most frequently asked questions.

What Does Liability Coverage Protect?

Liability coverage protects you financially when you have been in a collision with your RV and you are held liable for the damages. This covers property damage and medical costs to third parties.

What Kind of Coverage Will Cover Me?

When you have been in an accident for which you are not at-fault, accident benefits will cover your costs. You can get those through collision insurance and comprehensive insurance packages.

This coverage will provide benefits for medical, property damage, and even lost wages or rehabilitation needs.

Is There Additional Coverage?

There are many add-ons that you can include in your RV insurance in Texas. That includes emergency roadside assistance, vacation costs, campsite liabilities, and contents protection.

What is Emergency Roadside Assistance?

If your RV breaks down, you can get 24-hour emergency roadside assistance with your insurance that will help with minor emergency repairs like batteries and tires, towing, and other problems that may arise if you are stranded.

What if My Vacation is Ruined Because my RV broke down?

If there is a problem with your RV that ruins your vacation, you can have that covered. There are other reasons you may have your vacation expenses reimbursed through insurance. If a problem arises and you lose your vacation, you can submit a claim to have that covered.

Get a Quote

This is just the beginning of the wide range of questions you will have when preparing to take your RV out of Victoria, TX. At Atzenhoffer Insurance Agency, we know how important it is for you to get complete coverage. Call us for a quote today.

What Are the Different Classes of RVs?

Before you buy an RV, consultation is one of the critical steps that you must never overlook. It is not one of the projects you strategize overnight and wake up to a dealership. The classes are limitless, featuring different designs that come at varying prices. If you live in Victoria, TX, and you wish to own an RV, follow closely to some insight on fundamental aspects. 

The first thing to understand is that the models keep increasing, making it a hilly task to choose. However, with some guidance, you can get your dream RV by avoiding common mistakes that most people end up making. Here is a brief review of some of the makes in the market today.

Basics of a Class A RV

A class A RV mimics a bus whose front side features a vertically flat shape. It is 40 feet long, and the interior comes with irresistible elegance courtesy of the entertainment equipment, its bathrooms, and kitchens. You will appreciate its comfortable beds, dining, and seating area.

Understanding a Class B RV

Some call it by the second name, van camper. It features a chassis similar to a van, whose roof appears raised than usual. The RV is among the small-sized but comes with sufficient family amenities. They include a sink, a bed, a small fridge, a stove, and a bathroom. Its advantages over the large motorhomes include the parking convenience, less complicated to drive, and can serve well as a family van. 

What Class C Motorhome Entails

The class C RV ranks among the largest, fit for large families. It measures 25 to 45 feet and comes with multiple options and amenities to meet your expectations. With its generous space, the RV presents extensive luxury as it features supreme comfort to a family.

Contact Atzenhoffer Insurance Agency by visiting our website today for more information about your RV policy in Victoria, TX.

Why do people need to get RV insurance?

It continues to be very important for people all over the country to get proper insurance for their most important assets. An important form of coverage that you should always get is RV insurance. For those in the Victoria, TX area, there are a few different reasons why they need to get this type of coverage for their RV.

Insurance Ensures You Can Enjoy RV for Years to Come

A key reason people need to get RV insurance coverage is that it can ensure that you can enjoy your RV for a long time. An RV is a big investment that you will want to pay off for as long as possible. If you get RV insurance, you will get the coverage needed to repair or replace it if it is stolen or damaged. This can be great coverage for your investment to ensure you get as much out of it as you want. 

Insurance is a Requirement

You will also want to get this type of insurance because it is often a requirement for owners. Anyone that would like to purchase an RV will find that these vehicles often require taking out a loan. If you have financed this purchase, you will need to comply with your lender’s insurance requirements. Additionally, those who want to drive on a public road in Texas must carry liability coverage.

Those that want to buy an RV in Victoria, TX need to spend time assessing their insurance needs. If you are going to purchase an RV here, you should speak with the Atzenhoffer Insurance Agency team. When you call Atzenhoffer Insurance Agency, you can learn a lot about your different insurance options to help you pick a quality policy.