817-485-5050 info@schwabagency.com

Process of Underwriting of Recreational Vehicle Insurance

A recreational vehicles is one of the best ways to enjoy different parts of the country while still taking along some of the comforts of home. Investing in the right recreational insurance can help to ensure that you and your vehicle are protected from any peril. Knowing what factors are considered during the underwriting process of your policy can help to ensure that you invest in the right amount of protection at the right price.

Underwriting an insurance policy is basically issuing an insurance policy. Insurance companies will evaluate risks and potential exposure they would face if they wrote the policy. When it comes to writing a recreational vehicle insurance policy, there are underwriting factors that are considered, including:

  • Driving record – people who have previous traffic violations and at fault accidents are considered higher risks.
  • Marital status – married policyholders tend to file less claims than single policyholders, making them less of a risk.
  • Residence – where your recreational vehicle will be kept will affect your coverage. More claims are made in urban areas than in rural areas.
  • Gender and age – males tend to be involved in more accidents than females, and teenagers have higher accident rates than the rest of the population.
  • History of prior coverage – your rates can be affected if your previous coverage was cancelled due to the non-payment of premiums.
  • Use of vehicle – higher annual mileage amounts will lead to higher premiums due to the higher exposure to different types of risks.
  • Type of vehicle – the type of recreational vehicle you are insuring has a large effect on how much it will cost of insure.

For all of your recreational insurance needs to ensure that you have the right amount of coverage while enjoying the outdoors, contact the insurance professionals at The Schwab Agency in Colleyville, Texas.

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The Schwab Agency

The Schwab Agency, LLC has over 20 years of experience within the insurance industry in our community and our goal is to bring you unparalleled service and dedication. Since the majority of our business is through long-lasting relationships with our clients, fulfilling your needs is of the highest priority.

COVID-19 Update:


Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.


We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.


Tim Schwab.
President and Managing Partner