RV Insurance

Recreational Vehicle (RV) owners are a special breed. They love to take to the highway because they know traveling is more than just a means to get from point “A” to point “B.” RV owners know the journey means as much as the destination. While RV’ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is about the same as car insurance.

In fact, if you don’t have proper insurance for your RV, you may face financial hardship if you should have an accident.

WHAT MAKES RV INSURANCE UNIQUE?

RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.

Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.

Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and isn’t the only coverage option you should consider.

WHO NEEDS RV INSURANCE?

There are several classes of recreational vehicles and they each need special insurance:

  • Class A covers RVs built like large commercial buses
  • Class B vehicles resemble vans, but have taller ceilings so you can stand up inside
  • Class C vehicles are large vehicles made from trucks or vans

STANDARD MOTORHOME INSURANCE

Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car. If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage, both on and off the road.

OPTIONS FOR YOUR RV INSURANCE POLICY

When you insure your RV, you might want to consider these important options:

  • Insurance for full-time RVers
  • Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
  • Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
  • 24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
  • Emergency expense money
  • Total loss coverage
  • RV contents coverage
  • Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.

WHY WE’RE DIFFERENT

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for. While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your RV.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

I've worked with Amy at Shropshire on my policy and she is always patient and helpful, helping me with a myriad of options and breakdowns. I'm so grateful for her help and kindness!
Chris Powell
Chris Powell
Jeff is awesome. He listens to what your concerns and needs are and tailors everything to exactly what you need to have peace of mind.
Jon Live Life Well Clinic
Jon Live Life Well Clinic
Our agent, Ilene Hobgood, is excellent and we have recommended here to several of our friends and neighbors.
D Bunting
D Bunting
A very personable experience ANY time I have a question or need assistance. I couldn't ask for better!
Admin DMCo
Admin DMCo
Great people, very helpful in all aspects. Thank you!
KIP LEDGERWOOD
KIP LEDGERWOOD
All of the staff are great! Very helpful and answer any questions or concerns!!!We are very pleased and highly recommend Shropshire AgencySteve and Dixie Stewart
Dixie Stewart
Dixie Stewart
Very efficient, professional, pleasant attitudes to be around.It's making an unpleasant restoration so much easier to handle.
Judy Kelly
Judy Kelly
Great people, great service
bill hillstrom
bill hillstrom
Great service and always available to answer our questions!
Lester Mills
Lester Mills
It is a very top notch helpful business. They are there for their customers.
Cheryl Crabtree
Cheryl Crabtree
I've been doing business with the Shropshire Agency for many years. They have taken great care of our family. I appreciate that they review our policies with us each year and make sure we are getting the best coverage for the best rates.
Tameisha Bolen
Tameisha Bolen
With me every step of the way! Highly trusted agency, going above and beyond to ensure home security. Thank you!
Kathleen Phelan
Kathleen Phelan
Great team to work with! 😃
Cindy Robinson
Cindy Robinson
I've been with The Shropshire Insurance Agency since the mid 1970's and they have always been there for me when needed. They are a stellar agency!
Debe Snedigar
Debe Snedigar
Great Staff
Dan Lassiter
Dan Lassiter
I have been with this Insurance agency for years. They work very hard to make sure I have the right information when I need it. I am a small company, but they treat me like I am there only client. Great people, Great Service and Great knowledge of the insurance market and I would recommend them to anyone.
Alan Berger
Alan Berger
The Shropshire Agency has handled our business insurance for years and we appreciate all their hard work to keep us covered as we should be. They always go the extra mile and are very courteous and professional. I highly recommend them.
Connie C.
Connie C.
I have my home and autos insured through the Shropshire Agency and have for many years. I truly appreciate the professionalism and responsiveness that I consistently experience. Trusted team of people to work with and I highly recommend.
David McCulley
David McCulley
Shropshire handles the insurance needs of Shannon Sound & Lighting very well.
NMN Shannon
NMN Shannon
Great people to deal and do business with
Glenn Estes
Glenn Estes
Great people. They are able to shop through several different insurance companies to find the best deal to suit you personally.
Logan Shelburne
Logan Shelburne
Thank You, Chuck S.
Chuck Sudduth
Chuck Sudduth
Jeff has been great to work with for our business insurance. I started a new business in Lubbock and he was with us every step of the way. The staff at Shropshire Agency has the best communication for any policy from start to finish. Don't waste your time with anyone else, they cover auto and home as well!
Lubbock Cleaning Solutions
Lubbock Cleaning Solutions
The Shropshire Agency has covered my business for the last 8 years. They are very thorough and go through my policy every year and have the ability to shop the policy to get the best prices. Great agency!!
Katrina Kohnle
Katrina Kohnle
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