Is RV insurance mandatory in Richardson TX

Owning an RV is one of the most convenient and fun ways of traveling across Richardson, TX, and beyond. It is a vast investment that requires special treatment. Many RVs double the price of regular cars while some cost as much as the cost of buying a house. For this reason, you want to make sure that your home on wheels is protected by quality RV insurance. While it is not mandatory in Texas, Allegiance Insurance Agency experts recommend buying insurance that costs as much as the RV itself.

When will I need RV insurance?

Just because it is not mandatory doesn’t mean you will never need it. However, it’s essential to note that RV insurance varies based on needs. Unlike auto insurance, where several coverages are a requirement by the law, RV insurance is more flexible and allows you to enjoy various coverages. Remember, your home on wheels is no different from your standard car because both use roads and have similar risks. If you have to connect it to a truck or SUV to move it, then you don’t need to buy separate insurance because the truck or SUV pulling it already has.

Which coverages should I consider?

Rv insurance comes with basic auto insurance coverages, but also extends to other RV related risks. Your responsibility is to conduct thorough research to know which coverages will work for you based on where you live, where you travel most, the age and model of your RV, and other factors. If you are a frequent traveler, you want to look for a coverage that protects you while on the roads such as collisions, custom equipment, comprehensive and medical payments.

Other RV related coverages to consider include:

  • Safety glass replacement
  • Roadside assistance
  • vacation liability
  • Awning replacement 
  • Full-timers package

For all your RV insurance needs in Richardson, TX, please feel free to talk to our insurance experts at Allegiance Insurance Agency, and we will be happy to help.

What to Expect from Motorcycle Insurance

Buying a motorcycle is an exciting item to purchase. You just can’t wait to get on the open road and cruise through the streets. Once you have your gear, your helmet, and the rider’s jacket, you’ll need to secure insurance for your vehicle. There are a few things you should know when it comes to having motorcycle insurance and the insurance agents at Allegiance Insurance Agency in Richardson, TX can go over your options when you’re ready.

What to Expect

There are three things that you should know before you purchase motorcycle insurance.

  1. According to the Texas Department of Insurance, everyone who drives must provide proof of financial responsibility. Proof of responsibility is determined by the amount of money and assets you own. For those individuals who are not independently wealthy, financial responsibility means acquiring insurance.
  2. In Texas, you need to have liability insurance in order to ride.
    • Bodily injury liability can help with an injured person’s medical needs.
    • Property damage liability is useful if you cause damage to another person’s property.
  3. Premiums are usually less expensive on motorcycles than on cars or trucks.

Optional Motorcycle Coverage

Although motorcycle insurance may be less expensive than car insurance, you don’t have to stop at the minimum coverage. Adding collision and comprehensive coverage could help cover your vehicle’s repairs after an accident.

  • Collision coverage is used to repair your bike if you hit another vehicle or an object, such as a building, or a tree.
  • Comprehensive coverage is designed to be used to repair or replace your motorcycle after an accident.

Stop by Allegiance Insurance Agency in Richardson, TX has supportive agents that can guide you through your policy and help you determine what insurance you need before your motorcycle journey begins.