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Insuring Your RV for International Travel: What You Need to Know

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Taking your RV across borders can be an exciting way to explore new destinations. However, before you hit the road, it’s important to understand how insurance works when traveling internationally. Proper coverage ensures you’re protected no matter where your journey takes you.

Check Your Current Policy

Most standard RV insurance policies only provide coverage within the United States and Canada. If you’re planning to travel to Mexico or overseas, your existing policy may not apply. Review your documents carefully or speak with your insurance provider to confirm any limitations.

Special Coverage for Mexico

U.S. and Canadian insurance policies are not recognized in Mexico. Mexican law requires all drivers to carry liability insurance from a licensed Mexican insurer. You can purchase a temporary policy that covers liability and, in many cases, add protection for physical damage and theft.

International Travel Riders

For extended trips or travel outside North America, you may need an international insurance rider or a specialized policy. These options can help cover medical expenses, liability, and damage to your RV in foreign countries. Always request documentation in the local language if required.

Protecting Your Belongings

Your RV likely carries valuable personal items. Ask about personal effects coverage, which can protect belongings such as electronics, camping gear, and clothing against theft or damage while abroad.

Plan Ahead for Secure Travels

Insurance requirements vary widely by country. Research regulations for each destination and secure coverage before leaving home. Carry physical proof of insurance and keep digital copies as backups to ensure you’re prepared.

Call Rickey McGill Insurance Agency in Arlington, TX

At Rickey McGill Insurance Agency, we’re proud to serve Arlington, TX, and we’re here to help you find the right RV insurance policy for your needs. Contact us today to learn more about your options.

My RV Took Flood Damage! Now What?

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The beauty of owning an RV is the freedom to take it anywhere. But what if you find yourself in an unexpected situation like a sudden storm turning your motor home into a makeshift houseboat? What do you do then?

Recreational Insurance to the Rescue

With recreational insurance, things won’t be as dire as they seem. Most recreational insurance policies cover damage from storms and floodwaters. You are covered whether the water came through a broken window or damaged roof (provided the damage was done during said storm), or water damage from natural flooding. However, there are a few caveats. Damage due to your negligence is not covered, so it’s important to make repairs and use common sense. Water damage from a plumbing leak inside the RV may not be covered unless you have additional coverage. If you have taken flood damage, document everything with photos and lists. Contact your insurance provider as soon as you can possible to mitigate further damage.

Rickey McGill Insurance Agency: Serving Arlington, TX

Texas is a big state with many interesting sights for RV tourists. Before you travel throughout the Lone Star State, ensure your RV is insured so that any setback won’t ruin your trip. If you are in the Arlington, TX, area, please get in touch with Rickey McGill Insurance Agency for your recreational insurance needs. We will connect you with one of our knowledgeable, helpful, and courteous agents to help you find the policy that best suits your unique needs.