“USA Today” states that the Lone Star State is one of the top four RV park states in the country. Because of the mild climate, many Texans even enjoy full-time RV lifestyles. Examples of good RV parks can be found near the Rio Grande River, on the Gulf Coast, in the Texas Hill Country, and even in large cities like Houston and San Antonio. Naturally, many RV owners venture out beyond the state and across international borders, which can become an issue from an insurance perspective. RV fans are also constantly making modifications by adding accessories or towing a car, golf cart, or travel trailer for outdoor toys.
The best way to enjoy your recreational vehicle and keep it secure is with quality Texas RV insurance. You can contact a local independent agent in the Trusted Choice® network to simplify shopping for RV insurance that is customized to meet your needs. These agents can provide you with competitive Texas motorhome insurance quotes, answer your questions, and provide you with reliable professional service. Contact a member agent today to get started.
Motor Home Cost Considerations
- Estimated yearly RV insurance premiums: $800 - $2000
- Estimated cost of Class A motorhome insurance: $1,000 - $1,300
- Estimated cost of Class C RV insurance: $800 - $3,000
- Estimated cost of trailer or 5th wheel RV: $170 - $1,000
- Insurance from an RV rental company: $15 - $75 / day
- If you can drive your motorized RV on public roadways, it will need minimum required liability insurance for this state: $25,000 maximum property damage, $60,000 maximum injury, $30,000 maximum for each injured person.
Why is the cost range so large? Your own premiums will depend partially upon the type of vehicle, the way it is used, and the owner’s history. There are a number of things that might affect your own premiums.
- RVs can range from small campers towed behind a car to large Class A vehicles the size of a city bus.
- Owners who enjoy the full time RV lifestyle may pay more than those who only use their recreational vehicle a few times a year.
- If you drive a recreational vehicle, you may get lower rates if you have a good driving history or qualify for other discounts.
- If you still own and mostly reside in a fixed residence, your local ZIP code might be used to determine your location. If not, ask your local Trusted Choice network member agent how you should specify your home location.
Types of Recreational Vehicles
Before you can get accurate quotes, your agent will want to know some specifics about your property. Here are the most common types of RVs and their uses:
- Class A motorhomes: They are the largest RVs and include bus conversions. They are both transportation vehicles and self-contained homes. The driver and cab are part of the living space.
- Class B motorhomes: These are camper vans or conversion vans that you can also occupy while moving. They are essentially smaller versions of Class A types.
- Class C motorhomes: While they can be nearly as large as integrated Class A types, these are distinguished by a step down cab and an extended living section above it.
- Truck campers: These vehicles are denoted by an independent unit that rests on the back of a pick-up truck.
- Trailer campers: Any camping unit that is towed qualifies, including the very popular fifth wheel style.
- Recreational and occasional RV usage: This simply refers to the way an RV is used. In general, this means the owner still lives in a fixed location and uses the RV for occasional recreation.
- Full-time RV living: Many folks are turning to their recreational vehicle for full-time use and have no fixed address.
- Commercial RV use: This usually refers to RVs that are rented out to the public.
RV owners who usually store their vehicles on a Dallas lot will have different insurance coverage needs than a retired couple living year-round in a Texas Hill Country or South Padre Island RV park. Some companies rent out their RVs, and they will want to explore commercial RV coverage.
If you are shopping for a new RV, it may be a good idea to compare insurance quotes before you decide which model to purchase. This way you can factor in the cost of Texas RV insurance when you figure out your total cost of ownership.
If you already own an insured RV, you still may want to compare quotes with a Trusted Choice member agent to see if you can get better rates. That is especially true if your existing agent can only quote prices from one company.
Motorhome Policy Discounts
Texans might also be entitled to RV insurance discounts. Some of the same things that can reduce rates for any type of vehicle may help reduce your RV insurance rates. Bundling multiple policies with one insurer and paying with automatic debits from a checking account may be some good examples of ways to save money on all of your policies. Your local agent can help you determine how to maximize your coverage and minimize your costs.
What Does Texas RV Insurance Cover?
As an owner, you will have to make some choices to balance your costs and your coverage. Your local Trusted Choice member agent can help you select the right policy options and coverage amounts.
- Liability insurance: May have to meet or exceed state minimum vehicle liability insurance
- Collision coverage: Insures your property if the vehicle is damaged in an accident
- Comprehensive coverage: Also called “other than collision,” this portion of your policy covers your property from non-crash related damages like storms or vandalism
- Contents insurance: Protects everything you keep inside your RV
- Other options: Many Texans travel outside the state, and some even travel to Mexico and Canada; ask your agent about coverage outside of the state, and especially outside of the U.S.
- Roadside assistance: Your motorhome can break down just like your car; you may choose to add an option to provide roadside assistance like towing and tire changes
Compare Texas Motorhome Insurance Quotes
Motorhome coverage requirements can be complicated because a motorhome may function as a home and a vehicle. A local member in the Trusted Choice network will be happy to help you understand RV coverage and find good insurance at a budget-friendly price. Contact a member agent today to review Texas RV insurance quotes and options.