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David King Insurance Services LLC

549 E. Sandy Lake Road
Suite 100
Coppell, TX 75019

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Texas Insurance Blog

Does your RV policy give you enough coverage when you’re parked?

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.

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

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.

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