Category: RV Insurance

Finding the right RV coverage option can be challenging. That’s why JD Insurance Group is here to help Beaumont, TX residents. There are a wide range of common pitfalls that arise when making a decision, and this guide is here to help. To learn more about the errors that typically occur and how to avoid them, please be sure to read on.

Failure To Consider Activities

While it is great to consult with friends and loved ones about the policies they have obtained, it is possible that all parties involved will be utilizing their RVs with different activities in mind. When you are meeting with potential brokers, it is important to consider the specific activities that will be taking place. This plays a vital role in the policy you decide upon.

Lack of Proper Storage

Many RV owners only consider the issues that may take place while the RV is in motion. However, those who fail to consider the benefits of proper storage and how this will affect their chosen insurance policy are setting themselves up for long-term difficulties. The storage location you decide upon should be convenient and safe, as many policies will not offer coverage for self-inflicted issues.

No Coverage For Contents of RV

Don’t make the mistake of assuming that RV coverage will cover the vehicle’s contents. The policy will need to encompass the RV itself and the contents within if this is your chosen objective. Assuming that coverage is all-encompassing is an all too common error.

Beaumont, TX residents who have further questions about their potential RV coverage options are urged to contact the good folks at JD Insurance Group. Our team of experts is on hand to answer any questions you may have. Let us point you in the right direction as soon as possible!

Embarking on a road trip in your RV is an exciting adventure, but safety should always be a top priority. To ensure a smooth and secure journey, follow this road trip checklist drafted by the team at JD Insurance Group in Beaumont, TX. 

Staying Safe in Your RV: 

1. Inspect your RV before you leave. Check tires, brakes, lights, and fluid levels, and make necessary repairs.
2. Assemble an emergency kit with essentials like first-aid supplies, flashlights, batteries, a fire extinguisher, and basic tools.
3. Plan your route in advance and share it with someone. Include stops at rest areas, campgrounds, and fuel stations.
4. Monitor the weather forecast for your route. 
5. Equip your RV with safety gear like smoke and carbon monoxide detectors. Test them before departure.
6. Bring important documents, including your driver’s license, RV registration, insurance, and any medical records or prescriptions.
7. Have a reliable communication system in place, such as a cell phone with a charger and a two-way radio for remote areas.
8. Install RV-specific security measures like door locks and window bars to deter potential intruders.
9. Review your RV insurance policy to ensure it covers your trip and any additional needs you might have.
10. Make any campground reservations in advance to secure a spot.
11. Consider taking a first aid/CPR course to be prepared for emergencies.
12. If traveling with pets, ensure their safety with proper restraints and supplies.
13. Adhere to speed limits, stay alert, and take regular breaks to avoid fatigue.
14. Keep a list of emergency contacts, including roadside assistance and local authorities.

Get Insurance Coverage For Your Needs

By following this road trip checklist, you can enjoy your RV adventure while prioritizing safety. To learn more about insuring your RV, visit us at JD Insurance Group in Beaumont, TX today!

Just as car insurance types depend on whether your vehicle is for personal or commercial use, RV insurance is created to cover the risks that are specific to vacationing or living in an RV. In some cases, the vehicle is large, and liability coverage may take into account additional risks that might be involved on the road with a vehicle that size. You might hear from someone that under a certain weight limit or size, an RV might not require a full RV policy. Above a certain weight, annual RV inspections are required, which might be what you’re thinking of.

Liability is required, as with any motorized road vehicle

In Texas, an RV of any size is required to have proper RV insurance minimums, such as liability. With all that you have invested, it’s wise to think further to cover situations, property, medical concerns if something happens, and more. At JD Insurance Group in Beaumont, TX we have plenty of experience with ways to protect your RV experience against unexpected problems. We’re also great at helping you with coverage for your lifestyle on the road in a variety of vehicles.

How is "Van Life" Covered?

The question of RV insurance gets more complex when you consider camper vans, professional and DIY conversions, and chassis that vary from basic vans to Sprinter-style models, even small cube trucks. That’s where JD Insurance Group in Beaumont, TX can help you find coverage, document your vehicle, and get it properly covered for a low-hassle lifestyle.

It’s important to communicate clearly to the insurance company about your specific vehicle and its origins for proper coverage. Give us a call while you’re planning your adventure!

Each RV is unique. Not only does it serve a dual purpose as both a home and a vehicle, but there are also countless sizes, furnishings, and amenities. How owners choose to use their RV is also highly personal.

JD Insurance Group believes your RV insurance should be just as special. Our experienced agents can construct a customized policy that’s perfect for your summer travel plans.

While there are many available options and add-ons, here we list four coverages that should be included in every RV insurance policy:

Collision coverage

As basic as it sounds, this coverage shields against any damage that results from a collision. Most vehicle-based policies will include this type of protection, regardless of who is determined to be at fault.

Comprehensive coverage

All other non-collision damage falls under comprehensive coverage. Natural disasters, falling debris, and even theft are likely included. Refer to your specific policy for a list of what’s covered.

Liability

Nearly any insurance policy contains liability. For motorized RVs, this can be especially important. Unlike the previously-listed coverage types, liability isn’t for your vehicle. Liability protects you, reimbursing for expenses related to bodily injury, property damage, or legal expenses that you may have incurred.

Personal Property

Although RV and auto insurance policies are similar, personal property protection is the exception. This is more comparable to homeowners’ or renters’ plans since it applies to the belongings inside your ride.

Contact an agent serving Beaumont, TX

When it comes to RV insurance, JD Insurance Group knows that there is no such thing as "standard." Although the above components should exist in virtually every policy, RV insurance can be customized to meet your needs. Serving the greater Beaumont, TX community, the agency can find a plan that protects your interests. Schedule an appointment today.

Recreational vehicles can be a lot of fun to travel in. Because they combine a home with a vehicle, they need a unique type of insurance just for them. To get your RV covered with RV insurance, call us now at JD Insurance Group in Beaumont, TX.

Classes of Recreational Vehicles

There are three classes of RVs, and each of these needs its own insurance policy that is made for that class. Class A includes vehicles that can be as long as 75 feet. These are generally motor coaches, luxury coaches, and converted buses. Class B includes the smallest of the RVs. This kind doesn’t feature a cab-over. It can be a cargo van, camper van, a travel trailer, or other smaller vehicles. Class C is for RVs that are made with a regular cargo van with a camper section that has the over-cab extension. It includes fifth-wheel RVs.Make sure that you get the policy that is meant for your class of RV.

Insurance Factors

As with auto insurance, RV insurance is partially based on how much you use it. If you live inside your RV full time, that comes with the need for extra coverage for it. How often you use your RV is also a factor. These factors together with the class of RV, its age and its make will determine much of the cost of your RV coverage. 

RV Insurance Options

Like auto insurance, there are different types of coverage you can choose as well as coverage that is mandated by the state. IN RVs, getting collision and/or comprehensive insurance is a great option to add in order to pay for damage to your vehicle. You can also choose to have other parts of it insured, such as the possessions that you keep on board, certain equipment inside and accessories like satellite dishes. 

Get Your RV Coverage

If you have an RV, don’t ever leave it uninsured. Make sure that you get the right policy for your vehicle by calling us at JD Insurance Group in Beaumon,t TX.