Recreational Insurance in Texas

It can be tough to find the right insurance policy for a recreational vehicle. Off-road vehicles, campers, ATVs, and other vehicles that are used for purposes other than standard transportation can often be covered under traditional auto insurance. However, those who use their recreational vehicles frequently may not get the comprehensive coverage they need with a traditional policy. Recreational insurance is available to those who need that extra coverage.

At Integrity Advisors Agency, LLC, we are proud to serve the good people of San Antonio, TX. Your insurance needs are more important to us than closing a sale. We pride ourselves on helping clients find the right policy, especially when it comes to lesser-known coverage options.

What is a recreational vehicle?

A recreational vehicle is an automobile that is used for recreational activity.

That includes:

  • All-terrain vehicles (ATVs)
  • Four-wheelers
  • Campers & RVs
  • Motorcycles
  • Boats stored at home or a dock

If you own any of these vehicles and use it frequently, it’s vital to get the proper coverage. Accidents can happen anywhere. The last thing you want on vacation or your day off is to find out your auto or homeowner’s policy won’t cover the damages.

Is recreational vehicle insurance required in Texas?

It depends on the vehicle and if the owner has other coverage. For example, if you own a stand-alone RV in Texas, it must have its own policy. But, if you own a camper that is towed by another vehicle, it may be covered by the auto policy belonging to the owner of the car.

Some homeowner’s insurance policies will cover recreational vehicles up to a certain amount. But there are often stipulations to these policies. For instance, if you’re planning on driving the vehicle on a highway, then many homeowner’s policies will not apply.

It can be tough to find the right policy for your recreational vehicle. They are not as common as traditional auto insurance, and it helps to speak to a professional to go over your situation and needs.

At the Integrity Advisors Agency, LLC, we are here to answer any questions you may have. If you live in San Antonio, TX, and would like to speak to an expert about recreational vehicle insurance, give us a call today.

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