Should You Get Year-Round RV Insurance?

It’s no secret that RVs give you greater freedom on the road. With RV insurance from Access Insurance Services, you can explore  Texas with confidence knowing you’re protected against mishaps on the road. If you’re a seasonal RV user, you may wonder if it’s necessary to keep your RV insurance year-round. Here are some factors to consider before canceling your coverage during the off-season months.

Importance of RV Protection

As one of your most costly possessions, it only makes sense to protect your RV both on and off the road. If you use your RV extensively during spring and summer, you’ll want adequate coverage to protect you against injuries, vehicle damage, theft, breakdowns, and other incidents that may occur on the road. RV liability coverage is required in Texas to protect other drivers in accidents you cause.

Seasonal Coverage

If you’re not planning on using your RV during fall or winter, you could cut back on your coverage to save on insurance costs. Keeping liability coverage enables you to take impromptu weekend trips during pleasant fall or winter weather. Cutting back on collision or uninsured motorist coverage is a viable option during this time.

You can also retain comprehensive coverage as it protects your vehicle against theft, vandalism and damage from inclement weather. If you’re parking your RV next to your home, these factors are still a risk. While in storage in San Antonio, TX, your RV is still at risk of fire damage.

RV Financing

If you’ve taken out a loan on your RV, your lender may require you to have certain types of coverage year-round. You can discuss this option with your insurer to see what’s best for your particular situation.

For more information about RV insurance in San Antonio, TX, contact your Access Insurance Services agent today.