If you are in the market for motor home insurance in the Dallas Fort Worth area, or anywhere throughout Texas, then contact us today. We are an independent insurance agency which will help you find a great policy to meet your needs.
Motor Home Insurance Tips
We found several resources which offer you helpful tips regarding the insuring of your motor home. First, you will see some snippets from the Texas Department of Public Safety’s page titled, “Smart Buyer – Tips For Buying A Recreational Vehicle”.
Types of Motor Homes
• Class A Motorhomes This is the top tier of motorhomes. These RVs feature top-level amenities, ideal for long distance travel and can house a significant number of occupants traveling in high style.
• It is not unusual to find these RVs outfitted with captain’s chairs in the cockpit, a living room with large sofa, dining table and HDTV, complete kitchen with granite countertops, full-size refrigerator, oven, stove, microwave…even a dishwasher. These units include a complete bathroom with real shower and flushing toilet. Many units also offer a washer and dryer. At the rear is the master bedroom with up to a king size bed and plenty of closet space.
• Many Class A’s come equipped with slide-outs that can create extra rooms that electrically extend from the street and curb side walls to give you even more space. Plus, some units include large storage compartments below deck (often called the “basement”) that provide enough room for anything you
might need on a long vacation.
• Class A motorhomes are the most expensive, with prices generally starting at about $60,000 for a basic model and increasing to customized units with price tags well over $1,000,000.
• Class B Motorhomes More commonly known as “Camper Vans”, these RVs offer many of the features and craftsmanship of Class A’s, but in a smaller, more maneuverable package. Using a full-size van as its foundation, a Class B motorhome can provide features including a compact bathroom, small kitchen and
a TV. Ideal for 2 to 3 travelers and suitable for multi-week trips, the Class B is akin to driving a large SUV.
TEXAS DEPARTMENT OF MOTOR VEHICLES
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• Class C Motorhomes These units are a cross between Class A’s and Class B’s. You commonly see Class C motorhomes rolling around the country during the summer since it is a popular unit to rent. Generally easy to drive, yet with enough sleeping room for the family, the C class can range from 20 – 40 feet. Class C features can include slide-outs and these RVs can be a good choice for a long weekend or weeks away from home.
• Travel Trailers A big advantage of travel trailers is their lightweight but sturdy construction that makes them towable by standard pickup trucks, SUVs and even some minivans. Travel trailers range in size from mini “teardrop” units of about 12 feet to 33-foot triple axle units. The newest generation models can
include designer-grade interiors, slide-outs, bunk beds for occupants, built-in generators and satellite TV.
• Most in this class can sleep up to six persons and prices range from $7,000 to nearly $70,000. A major advantage for the travel trailer is that you can leave it at the campsite and take the tow vehicle out to explore. One important consideration is to make sure your towing vehicle can safely pull a fully loaded unit.
• Fifth-Wheel Trailer The fifth-wheel trailer gets its name from the large hitch pin that attaches the trailer to a special mount in the bed of a heavy-duty pickup truck. This arrangement makes the fifth-wheel trailer more stable to pull than a comparably sized travel trailer, since a good portion ofthe fifth wheeler is above the truck’s rear axle as opposed to hanging off a trailer hitch behind the truck. The fifth-wheel trailer is also easier to back up into a campsite than a conventional travel trailer.
• Excellent for long distance travel, fifth-wheel trailers can range in size from 18 to 40 feet long. And because of their large size and weight, it’s critical that your truck be able to pull the load safely.
This resource from the Texas Department of Insurance gives a little bit of additional information:
Motor home insurance
Motor homes are drivable and aren’t pulled by a truck. Texas law requires you to have an auto policy with liability coverage for your motor home to pay for accidents you cause.
To pay for damage to your own motor home, you’ll need collision and comprehensive coverage. That also pays for damage caused by things other than a collision, like fires, floods, and theft.
Visit this page if you wish to see other types of personal insurance policies we offer: Personal Insurance
Thank you and we look forward to serving you soon.