RV Insurance Myths To Avoid

SWH Insurance Agency LLC is an independent agency. We strive to help our clients in Whitesboro, TX find the coverage they need to protect what matters most. We work with several carriers throughout the South. This allows us to offer our clients different options so that they can choose a policy that aligns with their needs. We are confident that we can help you obtain the right coverage for your situation.

RV Insurance Myths

Many Whitesboro, TX residents enjoy traveling around in their recreational vehicles. This is a great opportunity for you to create some long-lasting memories. However, it’s important that you stay safe and protected on the road. RV insurance is an asset. RV insurance covers your vehicle if it suffers damage in a collision with another vehicle. If you have comprehensive coverage, you are covered if your RV is vandalized or stolen. Liability coverage protects you if your RV hurts someone or causes property damage. You are also covered if any passengers on your RV are injured. While you are looking over your RV insurance policy, avoid these common myths.

All Policies Are Similar

This is incorrect. There are multiple types of recreational vehicles. Perhaps you are looking for coverage for an ATV. Maybe your RV has a small trailer or camper. Every policy is different based on the type of RV being covered.

My Custom Accessories Are Covered

If you have modified your RV, you will have to amend your policy in order to fully cover your vehicle against possible damage.

I Can Rely On Auto Insurance

Auto insurance will not cover your RV if something happens to it. You’ll have to obtain a specific policy for your RV in order to protect your asset.

SWH Insurance Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.  

Did You Flip Your RV Without Insurance?

At SWH Insurance Agency LLC, we’ve worked with many Whitesboro, TX RV owners who have flipped their vehicles without insurance. Is there anything that you can do about this problem? The best course of action here is prevention – buying an RV policy before anything happens will give you the best way of managing this problem and saving yourself money at the same time.

What Happens If You Crash an RV Without Insurance?

If you flipped your RV without insurance, you’re going to have to pay for every element of this situation right out of your pocket. However, with an insurance policy, you wouldn’t have to find yourself paying for a variety of different things during this process, like:

  • Moving your vehicle with a tow truck after the accident 
  • Repair and replacement of your RV after the accident 
  • Fixing any items that may have been damaged in the crash 
  • Liability and health coverage for people you may have injured during the crash 
  • Legal bills that may otherwise occur due to your accident

Can anything be done after you’ve flipped your RV without an insurance policy? No, not really. You can’t buy a policy after a crash and try to apply it retroactively. As a result, it is best to be prepared and avoid this situation by shopping for an RV insurance policy right away. 

Don’t Neglect Help 

If you have yet to crash your RV and want to avoid the problems that this could cause, please call us today at SWH Insurance Agency LLC. We serve the Whitesboro, TX, area and provide you with the Help needed to choose a policy that makes sense for your needs. Our team will work directly with you to sort through your potential options and find the coverage that makes the most sense for you.

Who needs RV insurance in Texas?

Those from Whitesboro, TX will know that there are many great spots to travel to in the local area. If you are interested in exploring this area as much as possible, having an RV is a great option. While an RV can offer you many opportunities for fun, it is also a responsibility that needs to be covered with insurance. There are many scenarios when having RV insurance coverage in Texas is a necessity. 

When You Take Out an RV Loan

There are many situations in which taking out a loan to buy the RV will make sense. If you finance your RV purchase with a loan, you will have requirements that need to be met in terms of insurance. The RV lender will want to know that their collateral is secure and will want to ensure that you have a full collision and comprehensive policy in place at all times. 

When Driving RV

You should also get RV insurance if you intend to drive the RV on a public road. Anyone that is going to RV will need to comply with state laws regarding liability insurance. Similar to driving another type of vehicle, RV owners need to carry a full liability insurance plan at all times. If you do not have this protection, you will violate Texas state law. 

When you are an RV owner in the Whitesboro, TX area, it would be a good idea to speak with SWH Insurance Agency LLC about your insurance needs. SWH Insurance Agency LLC can help you assess your needs regarding coverage and then explain your options. This guidance will make it much easier for you to choose the right plan for your situation.