Category: RV Insurance

Whether you drive your RV or have it camped out in your yard as a home away from home for staycations, our team at Hermes Insurance Solutions in Sanger, TX, can help you protect your RV from liability and more. If you never take your RV for a spin, you might wonder if you need insurance. As you’ll find out below, whether or not you drive your RV doesn’t always have a huge bearing on the importance of getting an insurance policy for the vehicle.

Do You Need RV Insurance If You Don’t Drive Your RV?

Although many people use their RV to make road trips or camping trips, some don’t intend to drive their RV. Since an RV could be a nice starter home for your young adult child or it could serve as an office, there are plenty of reasons why it may never leave your driveway or garage. Even if you don’t drive it, you should still protect your RV in case it gets stolen or damaged through a qualifying event.

An RV that stays in your yard, driveway, or garage is still at risk of many of the things that RVs on the road experience. From theft to damage to liability, there are situations in which it’s better to have this kind of insurance and never file a claim instead of waiting until they happen to get insurance. Most insurance policies don’t provide retroactive coverage, so you shouldn’t rely on the best-case scenario to keep your vehicle safe.

Call our office today for more information on how our RV insurance policies can help you protect your RV at Hermes Insurance Solutions in Sanger, TX!

Hermes Insurance Solutions is an insurance company that offers RV insurance coverage to consumers in Sanger, TX. If you are looking for RV insurance coverage, we’re here to help. 

Here are three challenges you may face when you buy RV insurance:

Getting all the personal belongings in your RV covered

Your RV insurance policy should include coverage for personal belongings that you keep in your RV. However, there will be a policy maximum on this type of coverage.

If you keep especially valuable items in your RV, these items might be worth more than the maximum amount offered by the personal belongings coverage on your RV insurance policy. 

Tailoring your coverage to the amount of usage that your RV gets

You might have your RV in storage during certain periods of the year. If this is the case, you’ll want to have an RV insurance policy that you can conveniently make inactive during these periods to avoid paying for coverage when you’re not using your RV. 

Knowing about any exclusions that your policy has

Your RV insurance policy may have some exclusions that you need to know about. You don’t want to be surprised about exclusions down the road when you have to file a claim.

You need to read the fine print of your policy so that you’ll know if incidents like certain natural disasters are not covered by your policy. 

Consult With Us

From cross-country journeys to weekend getaways, we’ve got you covered at Hermes Insurance Solutions. Don’t wait to secure your peace of mind by insuring your RV in Sanger, TX. Get a quote now and embark on unforgettable RV experiences!

You have your dream RV and are ready to explore the open road. But wait, have you considered all the ways to protect yourself from disasters?  Did you know that if your RV has more than four wheels, you may not be covered by your car’s accident insurance? Even if you have a separate accident policy for your RV, there are more ways to protect yourself and your family. 

Hermes Insurance Solutions, serving the greater Sanger, TX community, is here to assist. 

Understanding Coverage Options For Your RV

Nobody wants the surprise of getting hit with crippling bills because they thought their homeowner’s liability insurance covered them. If someone hurts themselves while in your RV, even if it is parked, you could be liable for their medical bills. 

You can discuss how much liability insurance would suit you with any of the agents at Hermes Insurance Solutions. Travel or vacation liability insurance is a great way to cover any injuries you or your guests may incur while on a campsite or while traveling. 

If you have valuables in your RV that you can’t afford to replace, think about getting additional coverage for your RV. Usually, your homeowner’s insurance will only cover 10% of losses outside your permanent home. So having full coverage for your RV can help you avoid heartache if you get robbed. 

You can discuss your needs with any of our friendly insurance agents at Hermes Insurance Solutions in Sanger TX. For example, you can get coverage for satellite dishes, repair equipment, and all your personal belongings. 

If you make your RV your permanent home, it is well worth getting what is called "full-timers insurance." This can cover you for 3rd-party liability and give you peace of mind.

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Whatever your needs are, call Hermes Insurance Solutions in Sanger, TX, and we will find the right coverage for you. 
 

There are many different types of RV insurance, which is why it’s a good idea to shop around and find the one that suits your needs. 

Even if you’re not traveling, your RV is a major investment, and you never know when something might happen. For help in the greater Sanger, TX community, visit Hermes Insurance Solutions. 

Various RV Insurance Coverage and What They Entail 

Basic RV insurance. This protects you from the low-hanging fruit of a claims scenario. It’s great for keeping your RV in case of a major loss. 

Comprehensive RV insurance protects your investment in case of a covered loss, such as a fire, lightning strike, or flood. This protects you from the low-hanging fruit of a claims scenario. It’s great for keeping your RV in case of a major loss. 

RV/trailer insurance covers your RV and your trailer. It also includes a certain amount of liability coverage in case something happens to your RV. 

As with most investments, it’s a good idea to have some type of insurance. Some of the common types of RV insurance are: 

• Motor Home RV insurance – covers the RV when it is on the road, while some RV insurance plans also cover the RV when it is parked.
• Travel trailer RV insurance – covers the RV when it is parked and used as a home.
• Fifth wheel RV insurance – covers the fifth wheel RV as it is also used as a home.
• A-frame RV insurance – covers the RV as it is used as a home.
• Other RV insurance – covers other RV types that are not listed above.

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If you own an RV that is only used for recreational purposes like camping, you will probably only need basic RV insurance. 

However, if you own an RV that is used for work or if you use your RV as a primary residence, then you will probably need additional types of RV insurance coverage. Hermes Insurance Solutions in Sanger, TX is the expert you need for insurance advice.