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Shavano Insurance Agency, LLC

4429 De Zavala Rd
San Antonio, TX 78249

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Shavano Insurance Agency, LLC Blog

Who Needs Full-Timers RV Insurance?

Shavano Insurance Agency LLC offers its customers recreational vehicle (RV) insurance that protects their financial security in San Antonio, TX, and wherever in the U.S. they travel. Most RV policies cover property and bodily injury liability, but you can add comprehensive and collision coverage to create a full coverage policy.

Full Coverage or Full-Timers? 

Full coverage works great if you only take an occasional trip in your RV. It provides the same strong coverage as a well-designed auto policy.

If you decide to travel the country in your RV full-time—living in it as your home—you need full-timer coverage. This adds to the liability and personal property coverage, creating home insurance for your RV.

Why Upgrade to a Full-Timer’s Policy?  

When you start living in your RV and traveling full-time in it, you take a lot of valuable property with you. You probably pack up your hobbyist equipment and some tools. You upgrade the electronics and appliances in your RV. That equals a lot of money you would lose if an accident occurred and damaged the RV and its contents.

When you live in an RV, you use it like a home. That means you have friends and family over to your home for coffee or a meal. All those people visiting you increase your liability. The cramped quarters of an RV can contribute to trip and fall accidents. Your increased liability coverage pays for the medical bills incurred if an accident happens on or in your RV.

Contact Us Today 

At Shavano Insurance Agency LLC, we want your insurance to work for you. Before you leave San Antonio, TX, on your next trip, visit our office to update your RV insurance. If you plan to live in your RV full-time, you’ll need to switch to full-timers insurance. 

What to Do in San Antonio if You Have an Accident in Your RV

If you have an accident while in your RV, the process for dealing with it isn’t much different than a normal automobile accident in San Antonio, TX. At Shavano Insurance Agency LLC, we want you to know what to do if you’re in an accident while in your RV.

Ensure Everyone’s Safety and Check for Injuries

Check yourself and any passengers for injuries. If you or anyone has an injury, call or try to have someone call for medical assistance immediately. Don’t move if you’re hurt and don’t move anyone else who has a serious injury unless it’s necessary. Otherwise, check on the other party.

From there, everyone should move their vehicles to the side of the road, if possible. Turn on your hazard lights and set up flares or cones if you have them.

Call the Police and Get a Police Report

Always call the authorities, even for minor accidents. The authorities can document the scene, take statements from everyone, and create a police report.

Exchange Information with the Other Driver

Get the name, address, phone number, license plate number, and insurance information of the other driver. Also, get the contact information of any witnesses who saw the accident. This isn’t always possible, which is another reason it’s important to have a police report.

Take Pictures and Document the Scene

Take photos of the damage to your RV and any other vehicles involved. Also, take pictures of any other relevant details. If you’re not in a position to do these things, then have someone you trust to do it on your behalf.

Contact Your Insurance Agent as Soon as Possible

As soon as possible, call your insurance agent or company to file your claim and seek advice on what you need to do next.

We Are Here To Help

At Shavano Insurance Agency LLC, we want you covered so that you can handle any eventuality that stems from a potential accident in your RV. To learn more about our RV insurance coverage options for RV owners in and around San Antonio, TX, contact us today.

Why Choose a Comprehensive RV Insurance Policy?

If you’re like most people, your RV is more than just a vehicle—it’s a home away from home. And just like your home, you want to ensure your RV is adequately protected in case of an accident or other unforeseen event. That’s where comprehensive RV insurance in San Antonio, TX from Shavano Insurance Agency LLC comes in.

Why You Need RV Insurance 

Just as you wouldn’t dream of driving your car without auto insurance, you shouldn’t hit the open road in your RV without proper insurance coverage.

1. Accidents Happen: Even if you’re the most careful driver in the world, accidents can still happen. And if you’re involved in an accident with another vehicle, chances are good that your RV will sustain some damage.

2. RVs Are Expensive: RVs are a significant investment, and if yours is totaled in an accident or stolen, you could be left owing a lot of money to your lender.

3. It’s the Law: In most states, driving an uninsured vehicle is actually against the law—including RVs.

Types of Coverage Available 

Now that we’ve looked at some reasons why you need RV insurance, let’s look at the available types of coverage. Some of the most common types of coverage available in  San Antonio TX include: 

• Collision Coverage: This type of coverage will pay to repair or replace your RV if it’s damaged in an accident with another vehicle—regardless of who was at fault. 

• Comprehensive Coverage: This type of coverage will pay to repair or replace your RV if it’s damaged by something other than a collision with another vehicle—for example, by fire, theft, or vandalism. 

• Liability Coverage: This type of coverage will protect you financially if you’re sued for damages after causing an accident that injured someone else or damaged their property. 

Give Us A Call

Contact Shavano Insurance Agency LLC in San Antonio, TX today to learn more about our services or get started on a quote!

What is full-timers insurance?

When you purchase RV insurance, Shavano Insurance Agency LLC offers many choices, but you can boil it down to two – a full-timers policy or a motor vehicle policy that meets the state requirements for Texas automobiles.

You need a motor vehicle policy for your RV if you want to drive it around San Antonio, TX and beyond. If you want to park your RV in a travel lot or at a resort park and live in it full-time, you need a full-timer’s policy.

Full-timers Insurance: What You Need To Know

A full-timers policy provides enhanced collision and comprehensive coverage. These policies protect your RV better if you will travel in it full time.

Other full-timers policies provide more liability coverage because you plan to park them and skirt the bottom or remove the tires and block the bottom. In these cases, you’ll use the RV as a non-traditional home, hooked up to a water line and electrical line.

Enhanced personal property coverage comprises another benefit of the full-timers policy. Using your RV as a home means upgrading your appliances and potentially upgrading your power supply. You might switch from propane to solar, which requires installing solar panels and an inverter.

The typical RV policy essentially provides your RV with coverage similar to that of your automobile. A full-timer’s policy works like a home policy for your RV.

Contact Us Today

Let Shavano Insurance Agency LLC help you insure your RV properly. You can phone us, email us, or visit our offices in San Antonio, TX. We will discuss your intended use of your RV and suggest appropriate RV insurance that will adequately cover your vehicle. Contact us today to get started.

4 Mistakes People Make with Their RV Insurance

RVing is a great way to see the country, but it’s essential to have the right insurance in case of an accident. Here are four mistakes people make with their RV insurance that can leave them unprotected.

1. Declining Emergency Roadside Assistance

As an RV owner, it’s important to have emergency roadside assistance coverage. This will come in handy if you break down on the road and if you experience a flat tire or lock your keys in your RV. Without this coverage, you’ll be forced to pay out of pocket.

2. Not Choosing Enough Liability Coverage

If you’re driving an RV, it’s crucial to have a lot of liability coverage. This is because RVs are so large and can cause a lot of damage if they accidentally hit anything or anyone. To protect your assets, get a policy that offers enough liability coverage.

3. Not Understanding Your Policy

To know how much coverage you have, it’s important to understand your policy. For instance, if your RV is financed, you may need to purchase collision, comprehensive, and liability coverage. Also, check to see if any of your personal belongings are covered so that they won’t be left unprotected in the event of an accident.

4. Not Updating Your Policy

Just because you had the right insurance in the past doesn’t mean you still have it today. If you made any changes to your RV or major life changes, such as getting married or divorced, getting a teen driver, or buying a home, you might have to update your policy.

Looking for RV Insurance in San Antonio, TX?

RVing is a common pastime for many Americans, but it’s important to remember that accidents can happen at any moment. By understanding how much insurance protection you need and updating your policy when necessary, you’ll be prepared if an accident occurs. Shavano Insurance Agency LLC offers RV insurance and would be happy to answer any questions you may have about your coverage.


4 Major Reasons to Get Insurance for Your RV

Are you thinking of getting an RV or do you already own one? If so, you’d do well to find out if you need to have insurance coverage for your automobile in the state where you live. Even if you don’t need to have it, it’s a good idea and something you can talk to experts about from Shavano Insurance Agency LLC of the greater San Antonio, TX area. 

You Likely Will Need Insurance 

If you’re driving an RV independently (it’s not hitched to the back of another vehicle), you’ll need to get RV insurance. If this is attached to something else, you may get coverage under that vehicle’s policy. You just may need an extension to your policy to account for that. 

Prevent Against Total Loss 

If you get into an accident or something else happens to your RV, you’ll get protection through your RV insurance policy. With comprehensive RV insurance, you can recover the cost of your vehicle if it’s considered a total loss. The difference is that you’ll also have coverage for items on the interior such as your appliances, and the exterior items such as your awnings and satellites. 

Liability Protection 

Someone else may get injured in an accident involving your RV. Liability protection will cover medical expenses for anyone who is riding with you. The last thing you want to worry about is how to pay for emergency care and further medical bills. 

Coverage for Other Damages 

There are other things that can happen to your RV besides accidents. Even when parked, damage can occur from fire, weather, and vandalism. If there’s a theft of your vehicle or something on in or inside it, an additional policy can offer protection that gives you some sense of relief. 

Shavano Insurance Agency LLC is here to discuss your RV insurance needs. An independent agent can assist you with compassion and professionalism. We serve the San Antonio, TX area and beyond and are pleased to talk to prospective customers.

Who needs RV insurance in San Antonio?

If you are a resident of the San Antonio, TX area, finding a way to get around the city and the rest of the state is a good option. If you want to explore all that Texas has to offer, getting an RV is a good option. Those that choose to get an RV in this state will enjoy the benefits that come with it and should protect it with insurance. There are several reasons that people here should get RV insurance.

Insurance is Required by Law

If you are going to operate a vehicle on a Texas road, you will want to have proper insurance in place. The state requires that you carry liability insurance when driving an RV. Those that fail to comply with this requirement will be penalized when caught. This could include being fined or even losing your right to drive. 

Insurance Protects Asset

It would be best to get an RV insurance plan to ensure that your asset is properly covered. Buying and maintaining an RV takes a big investment and commitment, which you will want to protect in the future. This can be protected if you get an RV insurance plan that includes a full collision and comprehensive policy. 

If you looking for RV insurance in the San Antonio, TX area, you must pick the right plan for your situation. Since this can be somewhat complicated, it is a good idea to call Shavano Insurance Agency LLC. The team with Shavano Insurance Agency LLC understands the value that this coverage provides. We can help you build a plan to protect your RV and ensure you are in full insurance compliance. 

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!


Partner Carriers

  • Aegis
  • Allied Trust
  • American Modern
  • AmTrust
  • Assurant
  • Beazley
  • Berkshire Hathaway Guard
  • Bristol West
  • BTIS
  • CatCoverage
  • Chubb
  • ClearCover Insurance
  • CNA
  • Cypress Texas
  • Dairyland
  • Employers
  • Encompass
  • Foremost
  • Gainsco
  • Hagerty
  • Hiscox Insurance
  • Home Owners Of America
  • Infinity
  • Kemper
  • Lemonade Insurance Company
  • Liberty Mutual
  • Markel Specialty
  • MetLife
  • MissionSelect
  • National General
  • Nationwide
  • Next Insurance
  • Orchid
  • Progressive
  • RLI
  • Safeco Insurance
  • State Auto
  • Texas Fair Plan
  • Texas Mutual Insurance
  • Texas Windstorm Insurance Association
  • The Bond Exchange
  • The General
  • The Hartford
  • Travelers
  • Trexis
  • US Assure
  • USLI
  • Wellington