HOMEOWNERS INSURANCE IN TEXAS

What is homeowners insurance?

Homeowners insurance covers damage to your home, property, personal belongings, and other assets in your home. Even if you aren’t obligated to have a homeowners policy, it’s still generally wise to get one.

Home! The very word brings up warm thoughts of comfort, security, rest, laughter. It’s a place we dream about and long for. Wise Insurance Group understands these feelings. It’s what we feel when we think of our homes. We believe in protecting these dreams and your investment with the right insurance for you.

Wise Insurance Group works with a dozen carriers. Whether you’re buying your first home, a town home, condo, lake house or the home you’ve always dreamed about, we have the solutions that will protect you well and do so affordably.

We work with you to identify what type of coverage and how much coverage you need.

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Evie has been my insurance agent for many years now. She is perhaps the most knowledgeable person in insurance I have ever dealt with and always gives you the information and available choices like you were family. Her service is exceptional and her advice has always been invaluable for me and my family. I can say without a doubt that I would highly recommend her for anyone’s insurance needs

Mark H. – Allen, Texas

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What RV sizes do motorhome insurance policies cover?

Motorhome insurance policies are typically classified into three distinct groups. Each group usually insures RVs that are within a certain size range. The three groups are:

Class A: Normally covers large RVs and converted buses
Class B: Normally covers medium RVs, camper vans and travel trailers
Class C: Normally covers small RVs and fifth-wheel trailers

What coverages do motorhome insurance policies come with?

Motorhome policies usually have a number of coverages, which can include protections that would normally be found in auto insurance policies or homeowners insurance policies. Together, the coverages provide robust protection against driving and non-driving risks.

Some of the coverages that are akin to what would likely be found in an auto insurance policy are:

Comprehensive Coverage: May cover motorhome damage from non-accident incidents
Collision Coverage: May cover motorhome damage from multi-vehicle accidents
Property Damage Liability Coverage: May cover damage to others’ vehicles and property
Personal Injury Coverage: May cover injuries to motorhome’s the driver and passengers
Bodily Injury Coverage: May cover injuries to people not in the motorhome
Underinsured/Uninsured Motorist Coverage: May cover accidents with uninsured drivers

Some of the coverages that are more akin to what’d probably be in a homeowners insurance policy are:

Personal Property Coverage: May cover damage to/loss of personal belongings
Emergency Expenses Coverage: May cover unexpected expenses following an incident
Campsite and Vacation Coverage: May extend protections to when an RV is parked
Full-Timer Coverage: May provide more liability and property protections for full-time RVers

There are still more coverages that motorhome owners might want to look for. An insurance agent who specializes in these policies can help owners find all of the coverages they need.

Do motorhome owners need to purchase personal property coverage through their RV policy?

People generally should have personal property coverage, which could protect belongings such as clothes, furniture, dishes, electronics and more. Motorhome owners can go about securing personal property coverage a few different ways.

RVers who have a primary residence likely get some personal property coverage through their homeowners insurance (or condo insurance, etc.). This coverage may provide “worldwide coverage” for belongings, which normally means belongings are covered anywhere that an RV would go (exclusions often apply to war zones, etc.).

If a homeowners insurance policy provides “worldwide coverage” for personal belongings, then additional personal property coverage through an RV policy is likely unnecessary. Motorhome owners might indeed be able to forgo save a little by forgoing this coverage when insuring their RV.

If a homeowners insurance policy doesn’t provide “worldwide coverage” for belongings, then the protection afforded when belongings are away from the residence could be quite limited. Including this coverage in an RV policy would likely be recommended in this situation.

Full-time RVers often don’t have any homeowners insurance policy. For this reason, personal property coverage is frequently included in full-timer coverage.

How can motorhome owners in Texas get RV insurance?

For help insuring a Texas-registered motorhome, contact the independent insurance agents at Wise Insurance Group. Our agents have worked with many drivers, and we’ll help make sure you find RV insurance that protects you well both when on the road and when parked.