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Texas Insurance Blog

What is recreational insurance?

You might think of a fun hobby, a big trip, or an enjoyable lifestyle activity when you think of recreational insurance. However, recreational insurance covers you on vacation differently by protecting everything from campers to recreational vehicles to off-road machines and more. Whether you live in Arlington, TX, or elsewhere, your RV needs to be insured and registered to drive it legally. If you are pulled over and found not to have insurance, you are subject to a fine, license suspension, and jail time.

I know what you’re thinking – why isn’t my recreational vehicle included on my home or auto policy? It can be, but that’s probably not the best way to do so, and it likely won’t offer the protection you need. For example, an RV can be added to a home insurance policy and is covered so long as it is never taken on interstate trips, but let’s face it – you bought your RV to travel with, not stay in your driveway. 

Recreational insurance offers many of the same components as traditional auto insurance, including liability, collision, comprehensive, and uninsured/under-insured motorist coverage. When deciding how much coverage to purchase, you’ll likely want more than you have for your day-to-day vehicle as an RV is far more expensive, making repairs and potential damage extremely high. 

Whether you are shopping for a new policy or have just bought your first recreational vehicle, let the knowledgeable team at InsPeak in Arlington, TX help you find the perfect recreational insurance policy for your needs. Give us a call today to schedule a no-obligation consultation to learn more about our insurance offerings and to meet our talented staff.

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