RV Insurance in Texas

Experts break down recreational vehicle insurance costs, coverages, companies, and more in Texas.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Family on RV Road Trip during summer vacation. Find Texas RV Insurance.

Texas is a great place to own a recreational vehicle. In fact, residents of the Lone Star state spend an estimated $424 million a year just on RV sales and services. If you own one of these vacation vehicles, you can protect your investment and your finances by purchasing a good RV insurance policy.

Local independent agents are available to help you find an affordable policy that meets your coverage and budgetary needs. Find an independent insurance agent near you to get more information and to start comparing customized quotes from some of the best RV insurance companies in Texas.

What Is RV Insurance?

RV insurance is a hybrid of vehicle and home insurance that is designed specifically to cover motor vehicles or trailers that include living quarters like a sleeping area, a kitchenette, and a  bathroom.

You can purchase a policy that is customized to the type of recreational vehicle you own and how you use it.

For instance, if you live full time in a motorhome that remains parked in an RV park most of the time, you will want to carry a different type of policy than someone who only uses their RV once or twice a year to take a long road trip.

How Much Does RV Insurance Cost in Texas?

Texas residents spend an average of $1,424 a year for RV insurance. Of course, the cost of coverage can vary significantly from one recreational vehicle owner to the next. RV insurance rates are based on a number of factors such as:

  • Information about your RV including its type, make, model, year, length, weight, and value
  • The value of the personal property you keep inside your RV
  • The estimated number of miles you expect to drive your RV per year
  • The amount of time you plan to spend living in the vehicle each year
  • Your driving record and insurance claims history
  • The size of your deductible
  • Whether you are bundling your coverage with other policies like homeowners insurance or car insurance

To find out how much coverage will cost for your RV, you can contact a few competing insurance companies and request customized quotes. Or, if you prefer, an independent agent can save you time by doing this on your behalf.

Is RV Insurance Required in Texas?

In Texas, if your RV has a motor and can be driven, you are required by law to have liability coverage for it. RV liability insurance is designed to pay for any property damage or injuries you may cause to other people if you are at fault for an accident while driving your RV.

In Texas, recreational vehicles have the same coverage requirements as your car or truck. This means that your Texas RV insurance policy must meet or exceed the following minimum coverage amounts:

  • Bodily injury liability coverage per person: $30,000
  • Bodily injury liability coverage per incident: $60,000
  • Property damage liability coverage per incident: $25,000

RVs are larger and heavier than most vehicles on the road, so when they are involved in accidents, the property damage and injuries to others can often be excessive. That is why many RV owners in Texas opt to purchase liability coverage in much higher amounts than the state requires.

If you want to have even more liability coverage than your RV insurance policy can provide, you can supplement your RV policy with umbrella insurance. This is a very affordable way to significantly boost all of your personal liability coverage.

Additionally, although not required by law, if you have financed your RV, you may be required by your lender to have what is referred to as full coverage until your loan is paid in full. Full coverage is designed to cover loss or damage to your RV. It includes:

  • Collision coverage: This covers the cost to repair or replace your RV if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your RV if it is lost or damaged while it is parked. Covered non-collision events include things like tornadoes and floods.

All other available RV coverage is optional.


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What Else Can Texas RV Insurance Cover?

Regardless of how you use your recreational vehicle, you can build a policy that is customized to your specific coverage needs. You can do this by adding the appropriate types of optional coverage to the liability coverage in your RV insurance policy.

Examples of the types of coverage options you can expect your insurance company to offer include:

  • Uninsured motorist insurance: This can cover your property damage and necessary medical treatment if you are in a collision caused by an uninsured, underinsured, or hit-and-run driver. All vehicle insurance companies in Texas must offer this coverage. To opt out of it, you must do so in writing.
  • Personal injury protection (PIP): This can cover medical treatments, ambulance rides, lost wages, rehabilitation costs, and other expenses if you or your passengers are injured in a collision, regardless of fault.
  • Personal liability coverage: This is designed for people who live in their RVs full time. It can provide the same personal liability protection you would normally get through a homeowners or renters insurance policy.
  • Vacation liability coverage: This is designed for people who occasionally take their RVs out on trips to various locations. It provides additional liability protection if you are responsible for property damage or injuries while staying at an RV park and your home or renters policy doesn’t provide enough coverage.
  • Contents coverage: This covers the cost to repair or replace the personal property you keep in your RV (such as appliances, furniture, and clothes) if it is lost or damaged by a covered event like a fire or a property crime.
  • Towing and roadside assistance: Most RVs require specialized towing if they become disabled while out on the road. This coverage lets you rest assured that if you need to make a roadside assistance service call, the costs will be covered.

It is useful to be aware of what all your various options are as well as how much each one will cost you to include in your RV insurance policy. That way, you can determine which options are a good fit for you and your family.

Where Can I Find the Best RV Insurance in Texas?

When you are looking for a good RV insurance policy, a local independent agent can help. These agents are free to work with a variety of top-rated insurance companies to help you find the coverage you want at the most competitive price.

Discover the many benefits of having a trusted insurance professional on your side. Arrange an obligation-free consultation with an independent insurance agent near you to start comparing customized quotes from some of the best RV insurance companies in Texas.

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