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RV Insurance in Texas

If you own a recreational vehicle (RV) in Texas and wish to keep it protected, RV insurance is what you need. Recreational vehicles are of different sizes and shapes. They range from fifth wheels and motorhomes to travel trailers and pop-up campers. A drivable RV is known as a motorhome while towable RVs are called travel trailers or fifth wheels. Understanding the three classes of RVs will help you determine the insurance requirements for each category in Texas. The three major classes of RVs in Texas are Class A, Class B, and Class C:

  1. Class A - These recreational vehicles are the largest and most expensive RV types. Due to their large size, they are usually accessible through a central side door. They are often called motorhomes. Examples include converted buses, luxury coaches, and motor coaches

  2. Class B - Class B RVs are often smaller than their Class A counterparts and are usually easier to drive. They are typically accessible through a sliding side door and have a raised roof. These RVs are sometimes referred to as campervans

  3. Class C - The interior of a Class C RV is often slightly bigger than that of a Class B campervan. Class C RVs have raised roofs extending over the cab; the extended roofs are mainly used for storage. Class C recreational vehicles are typically built on a van or truck and have conventional truck cabins for drivers.

The main difference in RV coverage requirements in Texas is whether an RV moves independently or is towed. If you can drive an RV from one place to another without the help of another vehicle, you probably need RV coverage. However, if it is towed, purchasing insurance is optional, unless of course you are financing the towed camper - in which case the lender requires insurance coverage. Like auto insurance and other insurance types in the state, the Texas Department of Insurance (TDI) regulates recreational vehicle insurance.

RV Insurance Texas

RV insurance in Texas is the type of insurance that protects a recreational vehicle against unforeseen events or risks, as would a standard auto policy. Because some RVs come with many in-built valuables, RV insurance companies may offer some home insurance features with their policies. Whether independently driven or being towed, RV insurance is designed for various types of recreational vehicles. These include camper vans, motorhomes, luxury coaches, camper trailers, and converted buses.

In the event of an accident, the right motorhome insurance policy in Texas will not only protect you. It will also protect your passengers, personal property in the RV, and the RV itself. Texas RV insurance can also protect against vandalism, theft, or any damage other than a driving accident, such as certain objects hitting the vehicle

How Does RV Insurance Work?

Generally, RV insurance in Texas protects you if you cause injuries to other people or damage their properties while operating your recreational vehicle. It can also pay for damages to your RV in a covered incident. Instead of paying excessively out of pocket for a loss in an accident involving your RV, you can file a claim with your RV insurance company. If your policy covers the event, the insurer will step in and settle such costs up to your coverage limits. As obtainable with standard auto insurance, you can add endorsements to your Texas RV insurance coverage. For instance, you can add personal effects coverage to pay for the replacement of personal belongings in your RV in the event of theft or other damages. Also, you have the option of adding roadside assistance and towing coverages.

It is common for an insurer or an agent to ask a few questions when purchasing RV insurance in Texas. As a part of their inquiry, an agent will ask how frequently you use or intend to use your recreational vehicle to enable them to determine the types of RV coverages you will need.

Typical RV insurance features in Texas include the following:

  • Property damage liability coverage - Pays the replacement cost or repair costs of other people's damaged property in an at-fault accident or incident. Such property includes vehicles and buildings. This coverage also covers legal fees that may arise from such incidents. The minimum required amount is mandated by the law, while the maximum amount of coverage is determined by your specific needs.

  • Bodily injury liability coverage - Pays for the costs of medical bills incurred from treating injuries sustained by another driver as a result of the insured's action. The minimum required amount is again mandated by the law, while the maximum amount of coverage is determined by your specific needs.

  • Comprehensive coverage - Also known as physical damage coverage, it protects a recreational vehicle from damage caused by non-crash incidents. These include vandalism, theft, and damage resulting from acts of nature and falling objects

  • Uninsured/underinsured motorist coverage - This coverage pays to repair or replace your RV up to your policy limits if hit and damaged by a driver without insurance or whose insurance is not enough to pay repair or replacement cost. It can also cover any form of bodily injury sustained during such an accident

  • Collision coverage - This coverage kicks in and helps pay the repair costs of damage to your RV after a crash regardless of who is at fault

  • RV roof protection plus coverage - Pays for the replacement or repair of your RV's damaged roof, especially if the cause of the damage is wear and tear

  • Personal injury protection - This coverage pays for medical expenses incurred by you and your passengers for injuries sustained in an accident involving your RV, regardless of who was at fault

  • Full-time RV coverage - This works like homeowners insurance if you are using your motorhome as your full-time residence. It offers higher personal liability and payment of medical bills for people who sustain injuries while in your RV residence

To better understand how RV insurance works in Texas, the following scenarios explain how the policy can protect you in different covered events while vacationing with your motorhome:

  • Your RV insurance will pay for some or all the towing costs if you get involved in a crash and your RV becomes disabled

  • Your RV insurance company will compensate you for damages to your recreational vehicle if another driver hits you. However, the amount the company will reimburse is subject to your uninsured/underinsured coverage limits and depends on the extent of damage

  • Your RV insurance company will pay a claim filed by another driver up to your policy limits in an accident where you are at fault. However, if the cost of damage, legal fees, and medical bills exceeds your coverage limits, you may have to pay the balance out of your pocket

What are the Differences Between Auto Insurance and RV Insurance?

Although most RV and auto insurance policies in Texas include certain similar coverages like collision, liability, and underinsured/uninsured motorist coverages, they differ in some ways. The most significant difference between RV and regular car insurance is what each policy covers. For instance, a standard auto insurance policy does not cover a vehicle's content. In contrast, a typical RV insurance policy covers the contents of a recreational vehicle, including detached structures such as decks and sheds. Additionally, RV insurance policies generally have higher coverage limits than auto policies because a motorhome will cause more damage than a regular vehicle in an accident. Consequently, the related liability expenses caused by RV damages are usually higher than those of regular cars.

Can You Insure a Van as an RV?

First, getting standard auto insurance for your van when you buy one is advised to keep it covered while building it into a campervan. Whether insuring a van as a recreational vehicle is possible in Texas depends on many factors. Generally, insurance companies differentiate between custom-made camper vans, self-converted and professionally-converted vans. Professional conversion is done by well-established companies whose primary business is converting vans into campervans.

Most insurance companies in Texas will offer Class B RV insurance coverage to custom campervans that meet certain specifications. These requirements include the van having installed running water, permanent cooking facilities, power, and a refrigerator. It is hard to find insurers offering coverages for self-built and professionally-converted campervans as recreational vehicles. This is because it may be difficult for them to assess the value of the material costs that went into converting a van and the contents the owner has in them.

If you wish to get RV insurance for a converted camper van in Texas, make sure to keep all your invoices and receipts of the materials purchased during the build process. If you are building a DIY campervan, be sure to track the labor hours that go into making the van. Also, keep detailed photos of the external and interior parts of the converted van, including pictures of every valuable item, fittings, and fixtures. You must do all these to help you with claims filing in case the unexpected happens; that is, if you have luck finding an insurer to provide a Class B RV insurance coverage for your converted campervan.

Whether you are looking to get RV coverage for a custom, professionally-converted, or self-converted campervan, your best option is to engage the services of a Texas-licensed insurance agent. A professional agent will help you shop around in a bid to find a policy that best suits your needs.

What is Vacation Liability RV Insurance?

Vacation liability RV insurance pays for your liability while your motorhome is parked off the public roads or at a campsite/vacation site. It is also known as campsite liability RV insurance and mostly comes as an add-on to an RV insurance policy. It protects against liability if a third party sustains injury in or outside your recreational vehicle while parked. Essentially, vacation liability RV in Texas can pay for the repair costs if you are responsible for damage to someone else's property in or near your RV. It can also cover medical and legal fees if a third party gets injured in or around your RV and decides to sue you.

In Texas, vacation liability RV insurance is inadequate if you rent a recreational vehicle, reside in an RV, or finance your RV through a lender. In any of these situations, what you need is full-timer RV insurance. Full-timer RV insurance provides coverage for your storage-shed contents in addition to vacation liability coverage. Other coverages included in it are medical payments, loss assessment, and personal liability.

How Much Damage Does it Take to Total an RV?

In Texas, an RV is considered totaled if, after an accident or any other covered incident, the estimated cost of repairing a damaged RV is at least 75% of the cost of the RV.

What Happens When an Insurance Company Totals an RV?

It is a waste of resources to embark on fixing an RV totaled by your RV insurance company. Your RV total loss coverage will typically kick in, provided you have one if your insurance company totals your RV in Texas. The types of total loss coverage offered by most Texas RV insurance companies are agreed value, actual cash value, and total loss replacement. The amount you are willing to pay for premiums annually and how much you can pay upfront if something happens determines the total loss replacement type.

Agreed value coverage does not work with all types of RVs. It mainly applies to RVs not older than five years. If an insurer totals an RV, this coverage will pay the insured an agreed-upon amount with the insurance company. Actual cash value coverage pays your RV's current value less your deductibles if your RV is totaled and you need to file a claim. For instance, you bought a recreational vehicle for $70,000, which has depreciated to $25,000 after five years. If the RV gets totaled during the fifth year and you file a claim with your insurer, your actual cash value coverage will only pay you the RV's current value ($25,000) minus your insurance deductible. Total loss replacement coverage offers your RV full protection and will not factor in depreciation if it is totaled. You only need to pay for your deductibles, and your RV insurance company will replace your RV with the same model.

Once an insurance provider totals an RV in Texas, it will send it to a salvage yard and auction it for parts or to be rebuilt and possibly resold with salvage RV titles. In some instances, insurers will sell totaled RVs back to their owners, who may want to fix them. However, the total cost will depend on the extent of repair required, additional salvage costs, and the condition of the totaled RV.

What Does RV Insurance Cover? - FAQ

In Texas, RV insurance covers most of the risks covered by auto insurance. While typical RV insurance includes comprehensive, liability, and collision coverage, a person can select extra coverage options while purchasing RV insurance. These optional RV coverages provide extra protection for fixtures and a person’s property in a motorhome. They include emergency expenses, total loss replacement coverage, vacation coverage, full-timer coverage (if RV is used as a full-time residence), and roadside coverage. The following are the frequently asked questions on Texas RV insurance:

Does RV Insurance Cover Awning Damage?

RV awnings are accessories used to expand the area of recreational vehicles, creating additional outdoor spaces and providing shades for rain or sun. A damaged awning on a camper can easily cost anywhere $500 - $2,000 to repair or replace. In Texas, your RV insurance policy will cover awning damage if caused by any of the covered events in your policy. However, it is best to check your policy document to understand what peril is or is not covered while purchasing the policy.

If the only coverage included in your RV insurance is liability coverage, your Texas RV insurance policy will not cover awning damage. Liability coverage does not cover perils such as damage by a natural disaster, accident, or vandalism. You will need comprehensive or collision coverage to fully protect your RV awnings against damage. These coverages protect against various types of damages, including those caused by an RV driver or other people.

There are instances where your RV insurance policy will not cover awning damage, even if your policy includes collision or comprehensive coverage. For example, if the damage is due to negligence or lack of maintenance, Texas RV insurance will not cover it. The same applies to damage dues to manufacture defects, wear and tear, and failure to secure it firmly to an RV

Does RV Insurance Cover Delamination?

Water and sun are the major causes of RV delamination and can be prevented by properly maintaining an RV. If your insurer determines that your negligence and lack of maintenance led to your RV delamination, it (the insurer) may not cover the damage. However, if the delamination happened unexpectedly, and your Texas RV insurance policy includes comprehensive coverage, it (your policy) will cover it. For instance, if a tree crashes down on the top of your motorhome and rips off the lamination, your policy will help pay for repair costs, provided it includes comprehensive coverage.

Delamination happens when your RV's outer layer, such as gel coating or fiberglass, starts separating from the exterior part of the vehicle. If not promptly fixed, delamination may lead to other significant damages like leaks, which may ultimately damage the personal belongings in your RV. RV fiberglass delamination repair can cost anywhere from $300, for a Do-It-Yourself kits, to $10,000 or more if the whole side of the RV must be fixed professionally.

Does RV Insurance Cover Flooding?

In Texas, if your RV policy includes comprehensive coverage, it will cover any damage to your RV caused by a flood. Typically, any RV insurance policy with comprehensive coverage covers all kinds of flooding. There is, however, a caveat. A flood insurance policy purchased from the National Flood Insurance Program (NFIP) will not likely cover any damage to your RV. Hence, it is best to get flood insurance coverage from a private insurance provider that can protect your RV as it would for personal possessions to avoid taking chances.

Does RV Insurance Cover Hail Damage?

It is best to find out from your insurance company in Texas or speak with your insurance agent to determine if your RV insurance policy covers hail damage or not. Hailstones in the state are typically large, and several hail storms can occur over a few months, damaging your recreational vehicle more and more with every pass. Because of the high frequency of hail occurrence in some parts of Texas, it is always challenging for insurance claims assessors to determine which storm caused the hail damage for which a claim is filed. Insurance companies may become confused about which damage from a storm went unrepaired, and a claim can always lead to another due to a subsequent storm. Make sure to report RV hail damage to your insurer as soon as it happens.

Does RV Insurance Cover Rodent Damage?

Rodent damage, such as mouse droppings, holes in the walls, and chewed wires, is one common problem that most RV owners encounter. Although many RV insurance policies with comprehensive coverages in Texas offer protection against rodent damages, some do not. You can know in two ways whether your policy covers rodent damage. These are by:

  • Speaking with your insurance agent or your insurance company. In most cases, it will be spelled out in your insurance policy document, but you can always ask your insurer when in doubt

  • Waiting until you you experience rodent damage and file a claim with your insurer

The second option is not advisable as you may be left to bear the costs of such damage out of pocket if your insurer denies your claim. Hence, if you are buying an RV policy and are exposed to the risk of rodent infestation, make sure to find out if the policy will cover rodent damage or not. Speak to your Texas insurance agent for more details.

Does RV Insurance Cover Roof Damage?

Your Texas RV insurance policy can only cover your RV's roof damage if the policy includes collision and comprehensive coverage. Otherwise, you may have to pay the repair costs out of pocket. If an accident damages your RV roof, the collision coverage of your policy will help pay for the damage, whether you are at fault or not. Similarly, it can cover repair costs if the damage was caused by a collision with a low-hanging obstacle on the road, a tree, or a building. The comprehensive coverage will kick in if your RV sustains roof damage due to non-collision perils like natural disasters.

Does RV Insurance Cover Roof Leaks?

Yes. In Texas, RV insurance covers roof leaks if your policy includes comprehensive coverage and provided the leaks happened accidentally and suddenly and were caused by a covered peril. For instance, if tree branches or other objects fall on your RV's roof, your policy (with comprehensive coverage) will protect you and pay the repair costs. Similarly, if the roof leaks were caused by vandalism, fire damage, and natural disasters such as tornadoes, hail storms, and hurricanes, RV insurance will cover them.

Does RV Insurance Cover Theft?

An RV insurance policy in Texas that includes collision and comprehensive coverages covers the theft of the RV. However, these coverages may not necessarily protect the personal belongings contained in a motorhome. Typically, your home insurance policy (if you have one) will kick in and pay for stolen items in your RV in the event of theft.

For Texans living permanently in RVs, most RV policies will only cover their personal possessions if the vehicles are stolen with such items. This implies that RV insurance might not pay for the personal belongings lost to a break-in on an RV used as a permanent residence if the vehicle is not stolen. Never assume that your RV insurance covers the theft of your RV or the items contained in it without explicitly asking your insurer or a licensed auto insurance agent. Else, you may have no option but to replace your stolen items by paying out of pocket if your insurance provider denies your claim.

Does RV Insurance Cover Water Damage?

Yes, provided you have comprehensive coverage on your RV insurance policy and your insurance company considers water damage a covered peril. However, a Texas insurance company will only cover water damage to your RV if such damage occurs accidentally and suddenly. For instance, an RV insurance policy with comprehensive coverage would likely cover damage by a flood along the coastline, a flash flood in the desert, or a structure collapse due to rain.

If you have some personal belongings in your RV during water damage, personal effects replacement coverage in your Texas RV insurance policy will cover them. Similarly, vacation liability, roadside assistance, and towing coverage can cover additional expenses and prevent you from paying out of pocket for other events associated with water damage. When you encounter water damage on your RV in Texas, immediately file a claim with your insurance company. Else, your insurer may deny your claim because proving such damage may be challenging if prolonged.

Understanding your RV insurance policy details is essential if water damage is a risk in your local environment in Texas. Some policies have exclusions, and your insurer may deny an insurance claim depending on the cause of the water damage. Make sure to read your RV insurance policy document and understand what water damage is and is not covered before agreeing to the policy. If you need help understanding your policy fine print, speak with a Texas-licensed auto insurance agent.

How Much is RV Insurance in Texas?

Although the cost of RV insurance in Texas depends on several factors, it is usually between $1,400 and $1,500 annually for most insurance policies. The factors determining the cost of RV insurance in the state include the following:

  1. Type of Coverage - The choice and amount of coverage included in your policy affect its cost. Enhanced RV coverage will always cost more.

  2. Choice of Insurance Company - The insurance company you choose for your RV insurance can affect your insurance premiums. While all insurance rates in the state are regulated by the Texas Department of Insurance, the final bundling of individual coverages and features, and providing discounts based on those unique combinations is left to the insurance companies. This is how different insurers may offer better rates on some specific insurance plans, while possibly not being as flexible on the others.

  3. The Condition and Age of The RV - If you have used an RV for some years, chances are you will pay lesser premiums than someone with a newer model of the same RV. Also, the owner of an RV in poor condition will pay more in insurance costs because an insurer will consider it high-risk as they are more likely to file a claim

  4. Driving Records - Typically, your driving history (traffic violations and past accidents) is an excellent way of demonstrating how capable and careful you are while driving. As such, a driving history with an accident free record will earn you lower RV premiums, and otherwise, if you have had several traffic violations and been involved in some car accidents

  5. Experience Driving an RV - Unlike regular vehicles, RVs usually are big and hard to maneuver. Hence, insurance companies consider RV driving experience in determining the cost of RV insurance. Typically, if you can demonstrate more driving experience with a motorhome, you will pay lesser premiums than someone with little or no experience

  6. Driving Frequency - How much you use or drive your RV also affects your RV insurance costs. The more you drive and the more time your RV spends on the road, the more probable you are to file a claim

  7. Type of RV - The type, size, and class of RV determine the cost of RV coverage. For instance, an insurance company will not charge the same premium for Class A and B recreational vehicles

If you intend to purchase RV insurance in Texas, your best option is to employ the services and expertise of a state-licensed auto insurance agent. After discussing your needs with them, an agent will help you shop around for RV insurance quotes from multiple insurers and help you settle for an affordable policy that suits your needs.

How Much is Class C RV Insurance?

The annual cost of Class C RV insurance in Texas is between $600 and $1,000, depending on location, RV type and age, and other factors affecting the cost of RV insurance.

How Much is Class B RV Insurance?

Class B RV insurance can also cover converted campervans. According to the National Automobile Dealers Association (NADA), it costs between $300 and $1,000 per annum to insure a Class B RV in Texas. The exact cost depends on the insurer, location, and all the other factors affecting RV insurance premiums.

How Much is RV Trailer Insurance?

The annual cost of travel trailer insurance in Texas is anywhere from $700 to $800, depending on size, age, cost, insurer, and other factors determining RV insurance cost. A travel trailer is a non-motorized form of RV that requires towing when it needs to be on the road. They come in different sizes and shapes. The common ones in Texas are toy haulers, pop-up trailers, off-road camper trailers, and fifth-wheel trailers.

To learn more about truck campers or travel trailer insurance speak with a state-licensed insurance professional. A knowledgeable agent can assess your needs and generate quotes from multiple insurers.

What is the Average Cost of RV Insurance?

Depending on the insurer, a typical RV insurance policy in Texas costs between $1,400 and $1,500, and the average RV insurance cost is around $1,450 annually. However, considering the other factors affecting RV insurance premiums, your insurance company may charge you lower or much higher than $1,450 - based on your insurable values, usage, and needs.The cost of RV insurance is based on the insurable value of the motorhome, frequency of RV’s use, plus the selected coverage amounts.

The value of the RV starts declining as soon as it gets driven off the dealer’s lot. The value changes with time and the type of the chosen assessment method. While typical RVs and camper vans can cost between $20,000 and $200,000, some much more expensive examples can also be found, which are more expensive to insure.

Is RV Insurance Monthly or Yearly?

In Texas, you can pay RV insurance premiums monthly or annually. According to the Consumer Bill of Rights, you have the right to pay your auto insurance premium in installments. However, monthly premium payments may imply paying more than if you pay annually because most insurance companies charge a fee for each installment.

How Much is RV Insurance Monthly?

The annual average cost of RV insurance in Texas is around $1,450. Hence, the monthly cost of RV insurance in the state is about $120, depending on the insurer, coverage, type of RV, and other factors affecting the cost of RV.

How Much is Insurance on a Camper?

Insuring a camper is usually relatively affordable and only costs a few hundred dollars annually in Texas. It is not expensive because campers alone cannot be driven and carry liability insurance coverage from RV insurance policies.

How Much is Camper Insurance Per Month?

The cost of camper insurance per month in Texas is not definite, but it is usually affordable. However, typical camper insurance will cost between$20 and $50 per month, depending on the factors affecting RV insurance premiums.

How Do I Get the Best RV Insurance Rates?

You can get the best RV insurance rates in Texas by consulting with a state-licensed independent auto insurance agent who can underwrite policies through multiple insurance providers. Speak to independent agents who can shop around for different insurance quotes from multiple insurers in a bid to find you the best RV insurance rate.

Is Insurance Required on a Travel Trailer?

Although not required, you can always get a trailer insurance policy for your trailer in Texas if you need extra protection. Typically, your car insurance policy will extend your vehicle's (towing vehicle) liability insurance coverage to your travel trailer, especially if you own the travel trailer being towed. If you borrow or rent a travel trailer, your auto insurance policy's coverage may not cover it.

If you live permanently in a travel trailer in Texas, you can include a full-timer's liability coverage in your trailer insurance policy. Full-timer's coverage provides liability protection and pays when someone sustains injury in or outside your trailer. A knowledgeable and licensed insurance agent in Texas can help you determine if you need a trailer insurance policy and how much coverage you need if you engage them.

Why is RV Insurance Important?

The RV Industry Association (RVIA) reported that in 2019, the RV industry had a $6.9 billion impact on Texas's economy, indicating how well Texans have embraced RVs. RV lifestyle provides alternative ways of enjoying the outdoors and taking vacations. These vehicles can be towable RVs, drivable motorhomes, or travel campers. While enjoying the outdoors or vacationing in your RV, you also need to get some form of protection against unforeseen events, hence the need for motorhome insurance.

The following are some of the reasons RV insurance is essential in Texas:

  • Your RV can be both a vehicle and a home, requiring specialized insurance. As a vehicle, it requires the 30/60/25 minimum auto liability coverage mandated by Texas law

  • RV insurance provides full coverage against potential damage to or loss of your motorhome

  • If there is complete damage to or loss of your RV, RV insurance will help pay a replacement fee instead of enduring a total loss

  • Having a recreational vehicle is usually a massive investment. Purchasing RV insurance can protect it and prevent you from paying out of pocket for damages caused by insurable perils

  • It financially prepares you for any accidents or emergencies you may encounter on or off the road with your RV. It covers medical bills for injuries sustained in a collision accident up to your coverage limits. RV insurance may also protect you from any claims, lawsuits, or accident liabilities

  • If you live in your RV and your RV insurance includes comprehensive coverage, it will protect you in the case of non-collision damages, theft, and fire

  • If you are using financing to purchase your pre-owned or new RV, the lender will require proof insurance coverage, so make sure to budget in for insurance before commiting to an expensive RV purchase.

To get an RV insurance quote and to ask additional RV insurance questions, contact a licensed auto and RV insurance agent in Texas. A knowledgeable agent with access to multiple insurers that cover RVs can help you better understand your specific RV coverage needs and how these coverages can be achieved in the most affordable manner. An agent can also advise you on the best coverage to choose if you intend to purchase an RV policy and can assist you through the application process.

Who Has the Best RV Insurance?

The best RV insurance coverage for you can be found only through comparison. Although some insurance companies are more reliable than others, determining the best RV insurance companies in Texas is tricky. The best RV insurance policy for you may not be of much help to other RV owners. Typically, any RV insurance policy that suits your coverage needs, based on your RV type and other “you-specific” attributes, is what is best for you, and you can literally claim your insurer has the best RV insurance. To another RV owner, the best may be another insurance company or a differently bundled coverage. Being the best is not about a brand of a specific insurer, it is about what provides your RV the most optimal coverage at the best price, and only a licensed agent with connections to multiple insurers can truly help you answer this question. Check back with the agent every year for the reassessment of the needs, and there may be another “best” found based on the updated needs.

The coverage types in a standard RV insurance policy in Texas may vary slightly depending on the insurance company. However, you can expect that an insurer will include some of the following coverages by default or require you to purchase them when you get an RV insurance quote:

  • Collision coverage - RV insurance policy with the lowest possible collision deductible provides the best coverage. Meanwhile this increases the overall cost.

  • Comprehensive coverage - Lowest deductible is considered best. Increases cost.

  • Medical payments coverage - If purchased, the higher the coverage - the better (usually up to $100,000 per person). Increases cost.

  • Liability coverage - The higher the coverage, the better. Increases cost.

  • Uninsured/underinsured motorist coverage - If purchased, the deductible of $250 is the same for all insurers. Coverage limit typically mirrors the purchased Property Liability policy limit.

You can also select from the following RV insurance coverages, which often make the difference in how people rate insurance companies:

Type of Coverage Purpose
Personal Property and Attachments Coverage This coverage protects items and attachments like furniture, satellite, cooking appliances, and camping supplies in an RV against theft or damages
Full-time RV Coverage Provides high-level coverage for people using their RVs as their primary residence, similar to what is obtainable in home insurance. It usually includes personal liability coverage and medical payments for third parties who sustain injuries in and around an RV.

Full-time RV coverage also provides coverage for personal belongings in an RV's storage when on the road

Travel Expenses Coverage This coverage helps pay for accommodation and transportation while your vehicle is undergoing repairs after it breaks down or is involved in an accident. Travel expense coverage will not kick in if you are within a certain distance from home, as stipulated by your insurer. Most insurance companies use between 50 to 100 miles
Roadside Assistance Coverage Pays the cost associated with towing RVs and servicing large RVs

Shopping for multiple quotes and comparing them from different insurers will help you find the best RV insurance for your recreational vehicle in Texas. That way, you can determine which insurance company has the coverage options suitable for your needs. In most cases, the best way to shop for and compare RV insurance quotes is by employing the services of a Texas-licensed auto insurance agent. A professional agent will leverage their experience and relationship with a network of insurers to find you the best and most affordable RV insurance.