RV in the MountainsFor many families, summer means packing up the camper for a road trip. If you own a tow-behind model — such as a pop-up, travel trailer or fifth-wheel — you may be unsure as to whether or not you need an RV insurance policy.

When you think of incidents that might require insurance, you'll probably think of a potential accident that would occur while you're on the road. When a trailer is hitched to a vehicle, it is often covered under that vehicle's policy. Liability is typically extended from your auto insurance policy when towing a camper.

This sounds like good news to many people, but don't let it fool you. It's important to have an insurance policy for your tow-behind RV for many reasons. Many problems happen when you're not traveling. A tree could fall on the camper during a storm, or you could be the target of a theft. Maybe you'll break down while traveling and will need roadside assistance. With an RV insurance policy, these types of situations wouldn't have to stress your finances.

These campers are a big investment, and most people finance their purchase. If something were to happen to the camper and it was a total loss, you would still be responsible for paying the remaining loan even though you no longer had the camper. For this reason, many lenders require that you buy RV insurance while paying off the camper.

If you're headed out in a tow-behind camper this fall, contact your independent insurance agent before you leave. Make sure you have collision and comprehensive coverage so that you'll be taken care of whether an incident happens while you're driving down the road or parked at your favorite campground. These policies can also cover your personal possessions and expenses related to a break-down while traveling. The policies are typically inexpensive and provide great peace of mind so you can enjoy a stress-free vacation.

We’ll help you find the most suitable coverage for your needs. Call Danback Insurance Agency at (512) 454-4567 for more information on Austin RV insurance.
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