Category: RV Insurance

Changing your travel trailer may require changes to your RV insurance policy. Prepare a list of the upgrades that have been made. Then, contact an agent who serves Whitesboro, TX to report the upgrades.

Mechanical Upgrades

Mechanical upgrades may make your RV safer and more efficient. Keep track of all the mechanical parts used to perform the upgrades. If you have receipts from your purchases, keep these with the other records that pertain to the upgrades. 

Safety Features

Adding safety features to your RV can significantly reduce the risk of theft and vandalism. Your RV will be secured when it is occupied and unoccupied. Keep track of each safety improvement that has been made. When you are ready to have your existing insurance policy modified, these will need to be reported.

Cosmetic Improvements

Cosmetic improvements may increase the value of your travel trailer. Cosmetic improvements include fresh paint, new lighting, and new flooring materials. Keep track of the quantity and type of each material that has been used to modify your travel trailer. 

Structural Changes

Structural changes could improve the financial value and use value of your vehicle. Structural changes include upgraded wall panels, floor panels, and skylights. Record information about all the structural changes that have been made. Include details about the cost of the materials that were installed in your travel trailer.

Contact SWH Insurance Agency LLC

Our agents help customers select insurance products that will adequately protect a travel trailer. Contact one of our SWH Insurance Agency LLC agents at a convenient time. An agent who serves Whitesboro, TX will set up an appointment to meet with you.

Having appropriate RV insurance is important while driving an expensive RV that can cost up to $300,000.

Similar to auto insurance for your car parked in your garage or driveway, insurance coverage for RVs varies depending on factors including where you live and the type of RV you have. SWH Insurance Agency LLC in Whitesboro, TX is here to assist. The following information on RV insurance will help you decide what type of RV insurance you need and how to look for it. 

What Should You Know When Shopping For RV Insurance?

• The price of RV insurance. The cost of this insurance is determined by a number of certain factors. These factors are your exact location, the type of RV you own, the age of your RV, and whether you use your RV for trips or as your primary residence. 
• Coverage. RV insurance includes coverages similar to those found in auto insurance, such as collision, comprehensive, and liability coverage. RV owners may decide to add additional protection to the components of their cars as well as any ancillary items like awnings and satellite dishes.
• RV insurance is mandatory. All states require RV owners to carry the necessary liability insurance as well as frequently uninsured and underinsured motorist coverage. The limitations on your collision and comprehensive insurance, however, are entirely up to you. 

Schedule A Consultation Today!

At SWH Insurance Agency LLC, we serve clients in Whitesboro, TX and surrounding areas, and we specialize in different types of insurance. If you are thinking about purchasing RV insurance for your precious motorhome, we are here for you. We will provide you with the most important information and assist you in finding an ideal insurance policy. 

Summer sun is right around the corner, and it’s key that your RV is prepped to take you and your family everywhere you want to go this summer. SWH Insurance Agency LLC takes a look at a few tips to help you get your RV in tip-top shape before you hit the road for your first summer trip. 

Getting Your RV Prepped For Summer

Inspect the battery. 

Before you get started on prepping your RV for summer, you’ll want to make sure that it’s running well. Test the battery to ensure that it didn’t fail over the winter (and replace it if your RV isn’t starting well). 

Give the exterior a good wash. 

If your RV has been sitting in the elements all winter, you’ll want to give it a good wash before you hit the road for summer. Take your time and dig into the details of the exterior of your RV while cleaning. 

Check your appliances. 

Get inside your RV and ensure that all appliances still work just like they did last summer. Doing this now can give you the time that you need to make any replacements or repairs, and can save you from unwanted surprises when you hit the road.

Looking for RV insurance for your Whitesboro, TX vehicle? We’ve got you covered. 

If you’re searching for the right RV insurance for your vehicle in Whitesboro, TX, we’re excited to get to know you. At SWH Insurance Agency LLC, we’re proud to serve our RV customers. Reach out to us today or stop by to learn more about how we can create the perfect RV insurance policy for your needs. 

When you are driving your RV, you want to know that you are fully protected in case of an accident. That’s why it’s important to have the right type of RV insurance coverage. There are many different types of RV insurance available, and it can be confusing to figure out which one is right for you.

Here are the different types of RV insurance coverage and explain what each one covers:

Liability insurance

This type of insurance covers damage that you may cause to other people or property while operating your RV. It’s the most basic type of RV insurance and is required in most states, so get yours at SWH Insurance Agency LLC in Whitesboro, TX.

Liability coverage includes:

• Bodily injury liability: This covers medical expenses and damages if you injure someone else in an accident.
• Property damage liability: This covers damages to someone else’s property, such as their car, if you cause an accident.

Collision and Comprehensive Insurance

This type of insurance covers damage to your RV if it’s involved in an accident. It also covers theft and vandalism. Collision and comprehensive coverage are not required in most states, but it’s a good idea to have them if you can afford it.

Collision coverage includes:

• Repair or replacement of your RV
• Rental car reimbursement
• Towing and labor costs

Comprehensive coverage includes:

• Repair or replacement of your RV
• Towing and labor costs
• Damage from events such as fire, flooding, or hail
• Theft of your RV or contents inside it.

Personal Injury Protection

This type of insurance covers medical expenses for you as well as the passengers you had in the car if any were injured in the accident. Usually, it doesn’t matter who was at fault. PIP is required in some states but not others.

PIP coverage includes:

• Medical expenses
• Lost wages
• Funeral costs
• Child care expenses
• Other expenses such as housekeeping or transportation

Contact Us Today

Now that you know the different types of RV insurance coverage, you can start shopping for a policy that meets your needs. Be sure to compare rates and coverages from different companies before you make a decision. Get in touch with SWH Insurance Agency LLC in Whitesboro, TX today to get started. We would be happy to help you find the right RV insurance policy for your needs.

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.  

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.

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.