Maximizing Your Motorhome Coverage This Summer

Insurance enhancements can provide additional layers of coverage for your peace of mind when you’re on the road or parked for the summer in your motorhome. These customizations include True Value Coverage, Roadside Coverage, and Specialized Equipment Coverage.

True Value Coverage

A total loss of your motorhome doesn’t have to mean a total loss in value. True Value add-on coverage ensures that you receive fair market value for your motorhome, affording you the means to replace it with a comparable model.

Roadside Assistance Coverage

You can’t predict when you might need assistance when you’re on the road. With Roadside Coverage, you’re prepared for all possibilities. This includes costs associated with towing, tire repairs, and glass repairs, among others.

Specialized Equipment Coverage

Your motorhome is essentially a mobile living space, complete with personalized belongings. Specialized Equipment Coverage protects these personal items, with policies tailored to cover specific belongings that you identify. Whether damaged on the road or during storage, you can rest easy knowing your possessions are covered.

Comprehensive Insurance Options

Before you set off on your RV adventure, consider exploring all the enhanced insurance options available to you. At SWH Insurance Agency LLC, our experienced agents are ready to recommend tailored insurance products beneficial to you. An agent who serves the Whitesboro, TX, area will even schedule a consultation for you.

Owning a motorhome in and around the Whitesboro, TX area opens the door to endless travel possibilities and a lifestyle of adventure on the open road. It’s a unique way to explore the world, bringing together the comfort of home and the freedom to roam. Comprehensive coverage that ensures you can hit the road with confidence.

Key Components of Motorhome Insurance

• Liability Coverage: As motorhome owners, you are responsible for the operation of your vehicle, which means you can face liability claims if an accident occurs. Motorhome insurance includes liability coverage, helping to pay for damages and injuries if you’re at fault in an accident.
• Comprehensive and Collision Coverage: Motorhome insurance offers comprehensive and collision coverage. Comprehensive coverage protects against non-accident-related damages like theft, vandalism, or damage from severe weather. Collision coverage handles damages incurred in accidents where the driver is at fault.
• Uninsured/Underinsured Motorist Coverage: This coverage protects motorhome owners if an uninsured driver causes an accident. It ensures you receive compensation for medical expenses and vehicle repairs, even when the at-fault party lacks adequate insurance.
• Personal Belongings Coverage: Motorhomes often serve as a home away from home, carrying personal belongings. Motorhome insurance can cover the loss or damage of these possessions, providing peace of mind during your travels.

Customized Policies for Motorhome Owners

Motorhome insurance policies can be tailored to your specific needs and the type of motorhome you own. Whether you have a Class A motorhome, a Class C motorhome, or a camper van, there’s a policy designed to fit your unique lifestyle in the camping realm.

SWH Insurance Agency LLC Can Help You

At SWH Insurance Agency LLC, we can help answer questions concerning motorhome insurance. We serve the Whitesboro, TX area. Contact us today. 

At SWH Insurance Agency LLC, we know deer strikes cause extensive damage to your motorhome. In addition, motor home repair often requires waiting for specialized parts and paying eye-popping labor costs. While you wait for estimates and repairs, the last thing you want is a delay in cutting your claims check. 

Here are a few steps that you can take:

Call the Game Warden

Texas requires you to report an injured deer to the local game warden. Moreover, if the animal dies, you may move it to the side of the road, but you may not tag it and take it home. Instead, the Texas Department of Transportation will remove the deer. 

Call us at SWH Insurance Agency LLC in Whitesboro, TX

Call the claims number on the back of your insurance card, preferably at the accident site, to start your RV insurance claim. You will receive a claim number and the claims adjuster will come to the accident site or tell you where to tow your motor home for an assessment.

Contact Texas DOT

While you wait for the claims adjuster, call 800-558-9368 if you cannot move the deer or if you see RV parts in the roadway. If no debris clutters the road, report the deer at the Texas DOT website under the link – "Something on Road." Then, select "dead animal" from the drop-down menu and complete the online form.

Call the Recommended RV Repair Shops

You can request our agents for contact information for repair companies. First, however, you can call whichever RV repair shop you know and trust. 

Get Motorhome Insurance Today

Although repairs might begin immediately, your claim payout might take 30 days or more to process. Stay in touch with us at SWH Insurance Agency LLC in Whitesboro, TX, and make sure to insure your vehicle with motorhome insurance coverage.

If you’re a Whitesboro, TX resident and you own a motorhome, you may wonder if you’re required to have insurance. The answer is yes. All motorhomes you can drive alone, owners in Texas must carry liability insurance. Your RV coverage doesn’t fall under a home or auto policy.

What Motorhomes Need Insurance?

This doesn’t apply to a pop-up camper you pull in a trailer. But if your RV has its own power and brakes, it needs insurance. The law requires specific coverage for bodily injury and property damage. Your SWH Insurance Agency LLC representative can help you get the policy you need to drive your motorhome legally in Texas.

What Type of Coverage Do You Need In Texas?

Liability insurance pays for another person’s injuries and property damage if you’re at fault in an accident. Also, uninsured or underinsured motorist coverage will protect you if the other driver doesn’t have enough insurance.

Can I Get Full Coverage on a Motorhome?

Comprehensive and collision coverage will pay for damage to your motorhome, no matter who’s at fault. You can get full coverage on a motorhome, but it will be more expensive than liability-only insurance. You’ll also need to insure any attached trailers.

What Happens If You Don’t Have Motorhome Insurance?

If you’re caught driving without insurance, you could face a fine. Your registration may also be canceled, and your vehicle may be towed if you don’t pay the fines. Save yourself time and money and protect your recreational vehicle with an insurance policy.

Do you have questions about motorhome insurance in Whitesboro, TX? Contact SWH Insurance Agency LLC today. Our team is happy to help!

The people of Texas really love their motorhomes, as they are a great way to take a vacation in and beyond the Lone Star State. With each trip comes a set of worries though, and you’ll want to be sure your motorhome insurance is up-to-date when the time comes for your next road adventure.

At SWH Insurance Agency LLC, we want Whitesboro, TX residents to be safe on the roads when traveling in your motorhome with your family. Follow these easy motorhome travel tips so that you can focus on the fun when traveling through your wide-open spaces.

Stay Seated

It’s tempting for the little ones to want to run around the motorhome when you are driving. There is more room to move around than during a road trip in the car. 

However, this is not always the safest option. Like any bus or plane trip, tell the kids to stay seated at all times unless they absolutely have to get up. Every turn or bump in the road could lead to a turn or bump with the kids.

Wear Your Seatbelts

For the same reason, seat belts should be mandatory in certain areas of the motorhome. When your living room is traveling 70 miles an hour on the highway, you want the kids to stay in one place.

Have the kids pick a zone that they will be comfortable in for as long as possible. If you need to make stops along the way for food, gas, or even a stretch, give them the hours or milestone marks where they know they will be able to get up and move around again.

It’s tempting to want to get up and move around. It’s not safe for the kids, or the driver.

Keep Them Busy

When your kids are anxious in a vehicle, it will impact your driving. Keep them busy in the motorhome with the same things you keep them busy with at home for extended periods. Headphones are useful, traveling when they are sleepy is also a good planning tool. Keep them busy, and you have one less thing to worry about on the roads.

Drive Safely

Before you head out on your next adventure, check your motorhome insurance policy and make sure you have every add-on and coverage you need. Adding roadside assistance and travel insurance to your policy will give you more peace of mind on the roads. At SWH Insurance Agency LLC, we want Whitesboro, TX residents to feel safe on the roads. Call us today to update your Texas motorhome insurance policy.

Motorhome insurance, also called RV insurance, is required by law if you plan to drive your vehicle around the Whitesboro, TX area. It may also be beneficial to consider an RV indemnity plan if you leave your camper parked in the driveway more often than not. What does motorhome insurance cover, though? How much do you need? The agents at SWH Insurance Agency LLC can help you sort through the red tape.

What does motorhome insurance cover?

In some ways, motorhome insurance operates like a standard auto insurance plan. You are required to have coverage that pays at least $30,000 for bodily injury per person ($60,000 per incident). You also need protection that pays $25,000 for property damage. 

Motorhome insurance goes a step further than auto insurance by covering appliances. A standard auto indemnity plan will not compensate for replacing your burned-out stove. In fact, the mere fact that you are trying to insure a vehicle with kitchen appliances is a turn-off for some providers. Only an RV indemnity plan can assure you to know you have adequate coverage. 

How much RV insurance do you need?

The amount of motorhome insurance you need depends on several factors. First, you need to determine how much you can afford. You should always consider full coverage but not be fearful of purchasing liability insurance.

Second, you need to decide the type of lifestyle you are either living or pursuing. Those in love with the great outdoors may find higher monthly premiums necessary to ensure financial stability. You may not need as much protection if you bring your RV out of the garage or driveway more often.

The agents at SWH Insurance Agency LLC in Whitesboro, TX can help you understand the details about motorhome insurance. Call us today to get started with a quote!