Outdoor enthusiasts love traveling throughout the United States in a motor home as it affords them the comforts of their home. Plus, they gain the flexibility and freedom to travel to-and-from whenever they want. Thus, it's important to have motor home insurance, so you're thoroughly protected while in transit. Before your next trip, make sure your motor home has the right coverage. And Texas Classic Insurance can show how to protect your property with quality insurance.
Motor home usage is quite popular in Texas and with the popularity comes the need to have motor home insurance. All operators must have minimum liability coverage that protects the owner and others if a vehicle accident occurs.
Here are the minimum requirements for Texas liability insurance: All motor home operators must have $25,000 property damage coverage, $25,000 personal injury or death coverage-per-person, and $50,000 personal injury or death coverage-per-incident.
Bodily injury liability coverage protects all who were injured in an auto crash. Property damage liability coverage protects you from damage done to another person's property. The policy will pay for all repairs, medical care, and other circumstances that were a direct result of an accident involving your motor home. Usually, the wording of the coverage provided is tailored to your specific insurance needs.
Motor home insurance coverage can vary from year-to-year as it depends on your travel schedule and if the motor home will be used as a temporary residence. Two of the more popular optional motor home insurance coverages are comprehensive and collision.
Comprehensive motor home insurance coverage will pay for all damage caused to your vehicle from an outside source such as falling objects, fire, flooding, theft, vandalism, and other non-collision actions. Collision coverage will pay for all damage done to your motor home whether or not you were responsible for the accident.
Whether you use your motor home for a summer camping trip or as a temporary residence for an extended vacation, Texas Classic Insurance can create an insurance policy for your specific needs. Schedule an appointment to learn more about your options.
