RV and Toy Vehicle Insurance

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RV and Toy Vehicle Insurance in Texas

Why do you need RV and Toy Vehicle Insurance?

Unless you have a true RV and Toy Vehicle Insurance package, you could be in for an unpleasant ordeal should you experience a loss with your RV. Your auto and homeowner’s policies may not cover such items as appliances, plumbing or accessories. Without true RV and Toy Vehicle Insurance, your emergency expenses incurred while traveling would undoubtedly come out of your own pocket. A typical travel trailer insurance policy from an auto carrier will include physical damage coverage only. Our A + rated motorhome insurance and travel trailer insurance companies provide coverages far above and beyond the modest coverage provided by your auto insurance company.

Things to consider and questions to ask your agent about RV and Toy Vehicle Insurance:

  • How much can you afford to pay if your RV or trailer is in an accident, damaged or stolen?
  • RV or trailer  covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What’s the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for RV or trailer. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal policy to protect yourself and your RV or trailer in the event of an accident. The personal watercraft policy covers:
  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft
Liability limits start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments. Additional coverage can also be purchased for trailers and other accessories. You should talk to your insurance representative about the type of coverage that would best suit your needs.

CONTACT US

Select from our online tools or give us a call. Chat, text or discuss via phone, your choice!

Online Quote

Fill out a quick quote form and we will send you a quote. You can select one or multiple quotes or upload your existing policy for better coverage or beat the price.

Message via WhatsApp

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Call: (512) 647-2338

Call us and we will discuss your insurance needs and create a tailored policy plan with competitive pricing.

Email Us

You can also email us here for questions and for a detailed quote.

Book a Meeting

If you prefer to discuss insurance options face to face or online, contact us to schedule a meeting!

Client Center

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Frequently asked questions

Texas is a fault state for car accidents, meaning that the driver responsible for an accident will generally be required to cover damages and injuries of all parties involved. If you cause an accident in Texas, for example, you may have to file a claim on your insurance policy to cover damages and injuries to yourself, your passengers, your vehicle, the other drivers and passengers, other vehicles involved, etc. Without insurance, this could quickly add up.
There usually isn’t harm in switching auto insurance policies when you desire a new insurer or cheaper rates. However, switching right after an accident can usually raise your rates.
Texas requires a minimum amount of liability insurance, but you will need additional insurance to protect your vehicle and your passengers.
Car insurance rates can change each year, but they can change nearly at any time depending on the circumstances. Accidents may change your insurance rates almost immediately.
When you file a claim, your claim will be evaluated compared to your policy. Once it is approved, you can receive compensation for damages and injuries.

Don’t wait until after an accident to get the coverage you deserve. Call The Walls Insurance Agency, Inc. at (512) 647-2338 or fill out an online quote form to get started.

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Personal Life Insurance

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Affordable, online term life insurance.

Quote in seconds, apply in minutes with no exam, ever.

Simple, online permanent life insurance.

Quick quote for your permanent insurance needs.

Which one should I choose?

Both types of insurance have their merits. You can reach out to us anytime during the process and we can help you choose the correct plan for your family. 

Questions?

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