Recreational Vehicle Insurance


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Recreational Vehicle Insurance Information

Recreational Vehicle Insurance - Beaumont, TX

Miller Insurance Agency - Serving Southeast Texas Since 1983


Recreational Vehicles are pretty popular here in Texas, where there are miles and miles of woods, mountains, canyons, plains, beaches, rivers and more to explore. These vehicles can double as a car and a home — transporting passengers with an eye toward maximum fun and/or comfort along the way.

But just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities. Miller Insurance Agency has more than three decades of experience providing Southeast Texans with recreational vehicle insurance. Let us help you find the right policy to meet your needs.

Liability Insurance for Recreational Vehicles

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

Property Coverage

After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.

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