Townsend Agency (512) 931-2591 Georgetown
(806) 698-1611 Lubbock
(325) 573-4076 Snyder

Recreational Vehicles Insurance

What About Recreational Vehicles Insurance?

Good RV insurance is plan that safeguards you from the costs of damage, loss, and liability when operating a vehicle that is for the purposes of leisure and recreation. It’s important to note that a standard car insurance policy will not protect you, passengers or other drivers while you are operating a motor home, boat, off road vehicle, travel trailer or another designated vehicle. 

Purchase Details

This kind of insurance for recreational vehicles can be obtained from one’s insurance company to protect boats 50 feet long or shorter, personal craft like jet skis, off-road vehicles like a dune buggy, golf carts and dirt bikes and, of course, motor homes, RVs, and so on. The policy inherently provides the benefits of both homeowners and automobile coverage due to the fact people often not only drive but also live in their RV.

Types of Coverage

This kind of insurance can be tailored to cover a variety of aspects of one’s RV, such as total loss replacement of a covered vehicle or agreed value coverage. Protection is also available for personal belongings, emergency travel costs, vacation interruption coverage, along with 24-hour roadside assistance for emergencies. 

Good recreational vehicles insurance coverage often comes with comprehensive coverage that protects one from damage and theft, as well as collision coverage that safeguards the owner and his or her passengers should the vehicle be involved in any kind of accident. There’s also liability insurance, which protects you from financial loss as a result of a lawsuit that alleges property damage or personal injury that is caused by the operation of the recreational vehicle. Note that some form of insurance coverage, usually minimal liability levels, is mandated for the legal operation of an RV in most states. Full coverage will likely be necessary in the case of a loan being taken out for the purchase of the RV.


It’s usually very smart to acquire this kind of insurance coverage from the same provider that sells your homeowner or car insurance so as to take advantage of rate savings. In addition to all the reasons above, carrying this coverage can give one great peace in mind and add a great deal to the enjoyment of use.