RV insurance for pull-behind campers isn’t always legally required. In San Antonio, TX, many residents rely on their auto insurance for coverage. However, you also have the option to purchase RV insurance. Which choice is right for you?
Coverage Limitations
If you don’t purchase RV insurance, your pull-behind camper will have the same coverage as your vehicle. This means that if you only have liability insurance, it will also apply to your camper. However, you won’t be able to file claims for issues like vandalism, theft, or damage to your personal belongings.
RV insurance offers more comprehensive coverage. Most RV insurance policies are designed for individuals or families living in their camper and provide the protection needed for personal belongings and other risks.
Consider Your Budget
Using your auto insurance policy for your pull-behind camper can be significantly cheaper than maintaining both an auto insurance policy for your vehicle and an RV insurance policy for your camper. In some cases, upgrading your auto policy may be a more cost-effective solution.
However, not having the right coverage can lead to higher expenses in the event of an emergency. Speak with an agent at Integrity Advisors Agency LLC to compare costs and determine the best option for your situation.
Time on the Road
How often you use your camper is a crucial factor in determining whether you need RV insurance. If you only take your camper on the road for a couple of weeks each year, you may not need a separate policy, especially if most of your personal belongings remain at home. However, if you live on the road for extended periods, RV insurance is highly recommended.
Experienced agents at Integrity Advisors Agency LLC can help you determine which policy is right for you. Contact us today to discuss your options. We proudly serve the San Antonio, TX area and are here to assist you.
