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Coppell, TX 75019

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Texas Insurance Blog

Which critical RV insurance coverages should a new RV owner buy?

If you’re planning to get an RV for your summer vacation or primary residence, don’t allow your excitement to make you overlook RV insurance. Without sufficient coverage in Coppell, TX, you risk losing everything you’ve worked so hard to acquire. Lawsuits can easily strip you of your new RV, home, assets, bank accounts, future earnings, and everything else you could have. At David King Insurance Services LLC, we recommend speaking to an insurance advisor who will guide you on which coverages to buy. Here are some of the critical options they will suggest.

RV Liability

It’s almost impossible to talk about insurance without mentioning liability. The Texas law requires drivers to carry a minimum bodily injury and property damage liability. The coverages help cover physical injuries and property damage that you cause to another person.


Comprehensive coverage protects your vehicle when you’re not driving. It covers your RV from natural perils, such as a falling tree that hits your RV, vandalism, and theft. When buying this coverage, make sure you know all the covered instances and the excluded ones.


Collision coverage comes into play when your RV collides with another vehicle. It also covers collisions with other objects such as electric poles, huge rocks, animals, trees, and any other object on the road.

RV Uninsured/Underinsured Motorist

If someone rams into the back of your RV while it’s parking in Coppell, TX, and they don’t have insurance, or they are underinsured, your uninsured/underinsured coverage will help cover the damage.

RV Personal Belongings

Unlike an auto policy where your personal belongings are not part of the policy, RV personal effects coverage is essential for protecting what you carry in your RV, especially if it’s your primary home. The coverage also protects permanent fixtures like appliances that come with the RV.

For more information, quotes, or new policy discussions, feel free to contact David King Insurance Services LLC today.

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