Category: RV Insurance

Vacation liability insurance is an add-on insurance product that will protect you while your RV is parked at a campsite. Learn how this type of insurance works to limit your liability when physical damage or an injury occurs.

Standard Insurance

Your standard RV insurance policy is effective when you are driving on public roadways. It covers you if you are involved in a traffic accident and damage property or cause bodily harm.

However, a standard RV policy does not protect you when your vehicle is parked at a campsite. To acquire the protection you may need while vacationing, you should pursue the purchase of a vacation liability insurance add-on.

Insurance For Travelers

Vacation liability insurance is an add-on that is suited for travelers. It does not provide coverage for those who live year-round in an RV. An individual who lives in their RV permanently will need to acquire insurance designated for this type of living arrangement.

Liability Protection

Property damage and bodily injury can occur while your RV is parked at a designated campsite. If your recreational vehicle is parked next to other vehicles, you could be held liable for any damage or injury that is your fault.

If you acquire a vacation liability insurance add-on, it will cover the costs that are a direct result of property damage or injury.

Contact David King Insurance Services

Contact a David King Insurance Services LLC representative to acquire a vacation liability insurance add-on. One of our agents serving Coppell, TX, will help you choose a coverage amount that will provide enough protection while you are on vacation.

If you own an RV and cannot wait to head out on your first trip, there is one thing you need to do first, and that is to secure a proper amount of RV insurance. The agents at David King Insurance Services LLC serving the Coppell, TX area want you to know that in the state of Texas, you must at least have a liability insurance policy in place to be able to legally drive on public roads. This rule applies to all drivers and all vehicles, including Recreational Vehicles (RVs).

There are a variety of coverage options you can choose from when it comes to RV insurance:

Uninsured and Underinsured Motorist Insurance

This type of insurance will help you repair your beautiful RV if it is damaged in an accident that is caused by a motorist that does not have insurance or does not have an adequate amount of insurance.

Comprehensive Insurance

Comprehensive insurance is a very important part of an insurance policy for NRV. This is because it will cover your home away from home if it is damaged by a natural disaster or if a fire breaks out. Also, if someone vandalizes your RV or steals it, your comprehensive insurance policy will help you to repair or replace it.

Collision Insurance

It is not always easy to back an RV up into the camping spot, which means you may collide with an inanimate object. You can also collide with another vehicle, but you will be covered by this type of insurance coverage option. This means you can get your RV repaired and be able to pay for any damage you caused to whatever you collided with.

Contact Us Today

To create the best RV insurance policy for you and your beautiful camper, call upon the experienced and trusted agents at David King Insurance Services LLC serving the Coppell, TX area today!

If you own an RV and cannot wait to head out on your first trip, there is one thing you need to do first, and that is to secure a proper amount of RV insurance. The agents at David King Insurance Services LLC serving the Coppell, TX area want you to know that in the state of Texas, you must at least have a liability insurance policy in place to be able to legally drive on public roads. This rule applies to all drivers and all vehicles, including Recreational Vehicles (RVs).

There are a variety of coverage options you can choose from when it comes to RV insurance:

Uninsured and Underinsured Motorist Insurance

This type of insurance will help you repair your beautiful RV if it is damaged in an accident that is caused by a motorist that does not have insurance or does not have an adequate amount of insurance.

Comprehensive Insurance

Comprehensive insurance is a very important part of an insurance policy for NRV. This is because it will cover your home away from home if it is damaged by a natural disaster or if a fire breaks out. Also, if someone vandalizes your RV or steals it, your comprehensive insurance policy will help you to repair or replace it.

Collision Insurance

It is not always easy to back an RV up into the camping spot, which means you may collide with an inanimate object. You can also collide with another vehicle, but you will be covered by this type of insurance coverage option. This means you can get your RV repaired and be able to pay for any damage you caused to whatever you collided with.

Contact Us Today

To create the best RV insurance policy for you and your beautiful camper, call upon the experienced and trusted agents at David King Insurance Services LLC serving the Coppell, TX area today!

When it comes to providing insurance for the greater Coppell, TX area, people count on the team at David King Insurance Services LLC. We are proud to serve our friends and neighbors and help them with all of their insurance needs. Give us a call or stop by today.

Finding the RV insurance that protects your vehicle all the time

A large part of the joy of owning an RV is being able to get out on the road and explore. If you park your RV at a campsite or park for long periods of time, your insurance needs may require different coverage. In fact, there are two times that a recreational vehicle can be damaged, when it is parked and when it is on the road. 

Liability concerns exist in both scenarios. However, if, for example, you spend your summer in an RV park and use it to entertain family and friends, your liability protection needs may differ from RVers who don’t park for long periods of time. Fortunately, there are a number of different policies that provide the protection you need no matter where you are.

Like most other insurance types, one size does not fit all. Make sure to review your policy closely and discuss any questions that you may have with your local agent. No one wants to put a damper on their adventures and find out the hard way that their insurance policy doesn’t meet their needs. Review your policy today for completeness.

Contact our office today

David King Insurance Services LLC is here for the Coppell, TX community. If you have questions about RV insurance or any type of coverage, give our office a call today. We look forward to working with you.

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

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

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.