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Texas Insurance Blog

I have a 5th wheel. Am I required to purchase recreational insurance?

Many people don’t consider an RV and a vehicle as similar. However, if your RV has a motor, it’s actually a home on wheels. However, there are different kinds of RVs, some with motors and some without. All motorized RVs are subject to the same insurance laws that govern vehicles. Our Arlington, TX team of experts at InsPeak is dedicated to helping RV owners get the coverage they need.

What type of insurance is required for RVs in Texas?

If you own a motorized RV in Texas, you’re required to carry liability insurance that meets the state minimum requirements. Similar to auto insurance, RV owners must carry $30,000 per person for bodily injuries as well as $60,000 per accident. RV owners must also carry $25,000 in property damage coverage. If you have a non-motorized RV, your car insurance should cover the tow of your RV. Non-motorized RVs can be insured, but there’s no legal requirement. However, if you’re financing your RV, your loan company usually requires you to carry insurance until it’s paid off. 

I have a 5th wheel. Am I required to purchase recreational insurance?

The 5th wheel is a non-motorized recreational vehicle. As a result, Texas law doesn’t require non-motorized RVs to be insured. Non-motorized RVs must be towed. Your car insurance usually covers anything that you tow. Most auto insurance policies provide coverage for towing. However, only motorized RVs are required to carry liability insurance. You can also purchase more insurance to cover any damage, theft, or vandalism your RV may incur.

Reach Out To Us

If you have questions about RV insurance, call our Arlington, TX at InsPeak. We’d be happy to answer all of your questions. 

When You Need a Recreational Insurance Review

As spring turns to summer in Arlington, TX, InsPeak invites you to stop by for a recreational insurance review. The spring and summer seasons offer the weather most conducive to RVing, so it makes sense to review your RV policy before you hit the road.

Why Conduct a Policy Review?

It’s unlikely that nothing at all changed about your RV since the last time you took it on a trip. Whether you updated the kitchen appliances, added solar panels to the roof, or updated the décor, you made your RV worth more money. That means you need to update the coverage limit amounts on your recreational insurance.

How Recreational Insurance Works

When you purchase your policy, you and InsPeak agree to its value. We write this in the insurance policy as a coverage limit. The recreational insurance policy works as a legal contract. If your RV incurred damage in an accident that you did not cause, the recreational policy would reimburse you for the agreed-upon value, the stated value, or another type of value agreed on when you purchased the policy. If you purchased your RV for $100,000 and insured it for replacement value, if it gets totaled in an accident, you would receive $100,000 to replace it.

Let’s say that you purchased it, then added solar panels and re-did the flooring in the RV. This added $20,000 to the recreational vehicle’s value. Unless you amended your policy to reflect the $20,000 in changes, if it got totaled in an accident, you would only receive the $100,000 stated in the insurance policy.

Contact Us for a Policy Review

Protect yourself fully by undergoing a policy review each year. This keeps you from getting caught off-guard by an accident or named peril damage when you’ve recently made vehicle improvements. Contact InsPeak today for an appointment before you leave Arlington, TX on your next road trip.

5 Mistakes People Make When Buying Recreational Vehicle Insurance

When it comes to recreational vehicle insurance, there are a few things that people tend to get wrong. Unfortunately, making these mistakes can cost you a lot of money later on. InsPeak in Arlington, TX offers this guide in navigating this important coverage.

Here are five mistakes to avoid:

1. Not Getting Enough Coverage

One of the most common mistakes people make when it comes to RV insurance is not getting enough coverage. Many people think their regular auto insurance policy will cover their RV, but this is often not the case. RVs are classified as either motorhomes or trailers, and each one requires a different type of insurance. It’s important to ensure that you’re getting the right kind of coverage for your RV, or you could end up being underinsured.

2. Not Reading the Policy Carefully

It’s important to read any policy carefully before committing to it. This is especially true for RV insurance, as there are often a lot of exclusions and conditions that apply. If you don’t read the document carefully, you could end up being caught out later on.

3. Buying from the First Company You Find

When it comes to RV insurance, it’s important to shop around and compare different policies before you decide on one. Many people make the mistake of buying from the first company they find without doing any research. This can be costly, as you could end up overpaying for your coverage.

4. Omitting or Exaggerating Details

Omitting or exaggerating information on your application can invalidate your policy and leave you without any coverage at all. Be sure to disclose everything upfront so there are no surprises later on.

5. Not Asking About Exclusions

Every RV insurance policy has exclusions, and it’s important to know what they are before you buy a policy. If you’re not sure about something, be sure to ask your agent or broker. Not knowing about an exclusion could leave you without coverage when you need it the most.

These are just a few of the most common mistakes people make when buying RV insurance. Insuring your recreational vehicle doesn’t have to be complicated or expensive, but it is important to do your research and choose the right policy for your needs. If you’re looking for RV insurance, InsPeak in Arlington, TX can help. Call us today for a free quote.

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.

What is Recreational Insurance? And Why You Need It

When on vacation, the last thing you want to worry about is if you are fully protected against anything that can happen. Additionally, suppose you love spending time outdoors in Arlington, TX. In that case, you want to ensure you and your loved ones are protected against any accidents which may occur when riding RVs, water skiing, or any other outdoor activity. For additional information about recreational insurance and how it can protect you, call the experts at InsPeak today. 

What Is Recreational Insurance? 

Recreational insurance covers outdoor recreational toys, including accidents, theft, and injuries. Like auto insurance, there are many different types of recreational insurance, making it possible to customize your insurance coverage. Options include comprehensive, collision, personal injury, theft, weather-related damage, and more. Speak with your insurance agent today to discuss the different recreational insurance options for your outdoor toys. 

What Does Recreational Insurance Cover? 

Recreational insurance covers recreational vehicles, watercraft, and antique cars. Recreational vehicles include snowmobiles, all-terrain vehicles, sailboats, fishing boats, speed boats, jet skis, and classic cars. Policies provide coverage against accidents and injury for these toys. In addition, classic cars may be covered under auto insurance, so check with your insurance agent to determine the best policy for your antique automobiles.  

Why Do I Need Recreational Insurance? 

There are many reasons why you may need recreational insurance coverage. For example, if you are driving your jet ski and cause an accident. Your insurance policy will cover damage to your jet ski and the property of others you damaged in the accident. Additionally, if anyone were injured in the accident, your policy would cover that too. 

Recreation toys are expensive and, when damaged or stolen, can be costly to repair or replace. Do not let an accident or theft hinder your outdoor experience in Arlington, TX. Call the experts at InsPeak today for more information about recreational insurance. 

Why should I get recreational insurance in Arlington?

When you live in the Arlington, TX area, investing in your own recreational vehicle could be a great option. Those that own a recreational vehicle will be able to enjoy all the local recreational options that are in this area of Texas. Those that choose to get a recreational vehicle should also get the right insurance for it. There are several reasons why someone should get a recreational insurance plan here. 

Insurance Protects Your Asset

A key reason for you to get a recreational insurance plan is that it can protect your asset. There can be a big investment needed if you purchase any recreational toy or vehicle. As you will want to enjoy it for a long time, you should get insurance to protect it. With a recreational insurance plan, you will get the coverage needed to repair or even replace the asset if it is stolen or damaged.

Insurance Will Provide Liability Coverage

It would be best if you also got a recreational insurance plan to give you liability protection. When you operate any recreational vehicle, there is going to be a chance that you cause an accident. When this happens, you will need to pay for any associated damages. Your recreational insurance plan will give the coverage needed to offset this risk and ensure you have the capacity to pay for damages.

Those that want to get a recreational toy in the Arlington, TX area need to make sure they get the right insurance. As you are looking for a recreational insurance plan in this area, it would be helpful to call InsPeak. The insurance professionals with InsPeak understand the value that comes with a recreational insurance plan. They can then give you the guidance that is needed to choose an appropriate policy. 

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