Your guide to
Recreational Vehicle (RV) Insurance in Texas
An RV can be your ride, your vacation home and your storage space all at once. Our agency helps you understand RV insurance and how coverage can follow you on the road and at the campsite.
What it covers
Common RV coverages
RV coverage depends on whether you drive a motorhome or tow a trailer, and on how you use it. Options vary, so it helps to review each part.
Tap any part and the quote form opens with it already noted.
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Liability
For motorhomes, helps pay for injuries and property damage you cause to others while driving, up to your policy limits.
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Collision
Helps pay to repair or replace your RV after it hits another vehicle or an object, regardless of fault.
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Comprehensive
Helps with damage from events other than a collision, such as theft, fire, hail, falling trees or vandalism.
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Personal belongings
May cover items you keep in the RV, such as clothing, cookware and camping gear, depending on the policy.
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Campsite liability
Some policies offer liability protection while your RV is parked and used as a temporary residence, such as at a campsite.
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Roadside and emergency expenses
May help with towing, roadside help, or lodging and travel costs if a covered loss happens far from home, depending on the policy.
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Why it matters
Motorhomes and travel trailers are insured differently
A motorhome you drive generally needs its own liability coverage, much like a car. A travel trailer is different: your auto policy may extend some liability to it while you tow it, but damage to the trailer itself usually needs separate coverage.
Some RVs sit in storage for part of the year, and others serve as a full-time home. How you use your RV can change the coverage you need, so review your policy when your plans change.
Your RV can be both a vehicle and a place to live, so check that your coverage fits both.
Pricing
What can affect your RV insurance rate
Type of RV
Motorhomes, travel trailers and fifth wheels may be priced differently based on their type, size, age and value.
How you use it
Occasional trips, extended travel and full-time living can each call for different coverage and may affect the rate.
Driving history
For motorhomes, your driving record and claims history may be considered.
Where it is kept
Where the RV is stored when it is not in use may play a role.
Coverage choices
Limits, deductibles and added protection for belongings or campsite liability can change the premium.
Answers
RV insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Your auto policy may extend some liability to a trailer while you tow it, but it usually does not pay for damage to the trailer itself. A travel trailer policy can help cover the trailer and what is inside it.
Some RV policies offer liability and belongings coverage while the RV is parked and used as a temporary residence. Coverage varies, so check your policy's terms.
Full-time RV living often calls for coverage designed for that use, which may include protection similar to a homeowners policy. Tell us how you use your RV so your coverage can be reviewed with that in mind.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.