How is my RV policy different from my auto insurance policy?

Because of the mild weather and many RV parks, many people in Arlington, TX enjoy the use of an RV. It is important to know, though, how insurance protects you when you are using your RV.

Unlike the auto insurance policy you may have through State Insurance Solutions, an RV insurance policy may not be required by law. If you are driving a towable RV, you can have your RV covered under your auto policy. If your RV breaks loose and damages someone else’s property, you will be covered. Talk to your agent, though, and make sure you have enough coverage.

You will need an RV policy if it is driveable, if you are renting it, or if you have a loan out. Your lender will demand your RV be insured to protect the collateral on the loan. You can also get different insurance based on how often you use your RV. If you live in it, you can get full-timers insurance; if you live in it part-time you may be able to get campsite-liability insurance. You may be able to suspend your policy if you put your RV into storage for an extended period of time.

RV insurance is also different because you will probably need a higher liability threshold. This is because your RV usually costs more, and has more personal belongings in it if you live there. Your liability limit may also be higher because your RV is so large that it could potentially cause much more damage than a small personal vehicle. 

If you have any questions about how much coverage you need to protect your RV in Arlington, TX, call our agents at  State Insurance Solutions and we can help you compare RV policies. 

What Is Covered With A Toy Insurance

Though it is known as toy insurance, this insurance niche is specially tailored for adults. This type of insurance is very important for individuals who own motorcycles, various types of boats, RV’s, and ATV’s. Other types of specialty vehicles and crafts also come under the ambit of toy insurance.

With Arlington, TX having such fine weather for outdoor activities with these specialty vehicles, it is imperative that owners get toy insurance.

Fact is, one can easily get into a bit of trouble through accidents. This can cause bodily harm and damage to property.

So, it is logical to have comprehensive toy insurance from firms like State Insurance Solutions, Arlington, TX.

Read on to know what is covered by toy insurance. You would appreciate why getting it is the smart move for you today or when you decide to buy your own ‘toy’.

1. Personal bodily injury

This coverage targets injuries sustained while using your recreational vehicle. Some of these injuries can be very grievous depending on what your vehicle is and how it was used.

2. Medical payments

In case of accidents involving other people, this coverage covers your medical bills and the cost of treatment for other parties involved in the accident

3. Damage to property.

Any good toy insurance should be able to assist the policyholder offset the cost of paying for damages to properties while using the vehicle. This covers damage to a private and public property like buildings, other vehicles, telephone poles, lamp poles etc.

4. Comprehensive insurance

Comprehensive toy insurance covers loss or damage resulting from:

  • Theft
  • Damage caused by fire
  • Damaged caused by natural disasters
  • Vandalism
  • Falling objects
  • Etc.

These are just some of the cover you get when you buy toy insurance. There are reputable insurance firms in Arlington, TX, providing this service. For good measure, customized toy insurance is available for every peculiar situation.

If you want to know more about insurance for your specialty/recreational vehicles, contact State Insurance Solutions to get all the answers to your queries at any time convenient for you.