How RV Insurance Can Get You Back on the Road

Investing in an RV is a big move. Planning to spend months or even years on the road is a bigger move. Anyone who has put their money into an RV should look at all of the coverage options of RV insurance. Of course, just like a car or truck, RV’s need to have a minimum amount of insurance. But unlike a car or truck, a lot more is at risk if an RV is stolen or damaged in an accident. The risk of lost possessions in a car is much lower than in an RV. People typically don’t carry their lives around in their cars but on extended RV vacations, or retirement in an RV, important paperwork and possessions are typically along for the ride.

RV insurance gives owners coverage for many of the same things as auto insurance like liability, collision, and comprehensive coverage. But unlike auto insurance, RV insurance offers extra protection for personal belongings, equipment add-ons, modifications like satellite dishes, and things like awnings. At Allegiance Insurance Agency serving the Richardson, TX area, we understand RV insurance and guide our customers to the right policy for them.

Here are some options RV insurance includes as added coverage:

  • Vacation protection
  • Emergency expenses
  • Roadside services
  • Full-Time Resident Coverages (similar to a home policy)

Without appropriate add-on coverage, an RV owner could be facing a catastrophe that’s going to be hard to crawl out of. Imagine being caught in a situation where the RV is on fire while its a full-time residence. Where would the owner stay while waiting for a claim to be processed? How would they get around to shop for a new RV?

RV insurance with the proper add-on coverage (depending on how long one will be living the RV) will make sure that the unbearable doesn’t happen. For reliable and knowledgeable information about RV insurance options contact Allegiance Insurance Agency for service in Richardson, TX.

Essential Insurance Protection for New Motorcycle Riders

Is a new motorcycle on your Christmas wish list this year? Don’t forget to protect your investment with motorcycle insurance. Motorcycle insurance is a must for all riders but even more so for those who are new to the motorcycle scene. New riders are more prone to accidents due to their lack of riding experience. The following coverage from Allegiance Insurance Agency will protect you during your holiday travels.  

Liability

Liability motorcycle insurance is mandatory in Texas and serves to protect others in accidents that are your fault. If you fail to signal and cause an accident while changing lanes on the highway, you can be held liable for damages to the other driver. Liability insurance helps pay for these damages up to the limits on your policy. If accident damages exceed the limits on your policy, you could be held liable for the rest out of pocket.   

Collision and Comprehensive

If you took out a loan to buy a new motorcycle in Richardson, TX, your lender may require that you get collision and comprehensive coverage to protect his investment. Collision helps pay for repairs to your motorcycle if you crash into another vehicle; comprehensive protects you against theft, storm damage or vandalism. You never know what will happen on the road. Collision and comprehensive coverage protect your valuable investment so you don’t suffer financial loss.

Uninsured/Underinsured Motorist  

At some point in your riding, you may encounter a driver who has no insurance or insufficient insurance to cover the expenses of an accident he causes. With uninsured/underinsured motorist coverage, your insurance company will cover the cost of your damages even if the accident was someone else’s fault. Paying a little extra for this coverage could wind up saving you a lot.

As a new motorcycle rider, you can greatly benefit from a policy that includes this essential insurance coverage. For personalized motorcycle insurance at affordable costs, contact us at Allegiance Insurance Agency in Richardson, TX.