RV Insurance in Texas

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RV Insurance in Texas

Also providing insurance to residents in Colorado, Kansas, New Mexico, and Oklahoma

What is RV insurance?

Owning a motorhome requires protecting beyond the basic auto coverages. RV insurance can give motorhome owners in Texas with the protections they need for their road-trip vehicle.

RV insurance provides specialized auto coverage for motorhomes. Policies may cover the vehicle, the driver, any passengers, and any belongings taken on a trip.

Who in Texas needs to have motorhome insurance?

Texas state law generally requires motorhome insurance anytime a motorhome is taken on public roads. Coverage is also strongly recommended when storing, camping in, or otherwise using an RV.

Not insuring can have devastating consequences if something happens, regardless of whether the incident occurs on or off the roads.

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RV Insurance Texas

What protections do motorhome policies make available?

Motorhome insurance policies normally come with a variety of coverages. Some are similar to what’s found in most auto insurance policies, while others provide different protections.

Personal Injury Coverage

Generally covers injuries sustained by the RV driver, and any passengers, during an accident.

Bodily Injury Liability Coverage

Generally covers injuries to individuals outside of the RV, such as other drivers, other passengers, and pedestrians.

Collision Coverage

Typically covers damage to the RV as a result of collisions with other vehicles.

Comprehensive Coverage

Generally covers damage to the RV as a result of non-collision incidents, such as weather damage, theft, vandalism, or hitting wildlife

Gap Coverage

Generally covers the difference between the RV’s current market value and the remaining loan balance, in the event that the RV is declared a total loss.

Property Damage Liability Coverage

Generally covers damage caused by the RV to other people’s property or vehicles.

Uninsured/Underinsured Motorist Coverage

Generally covers accidents with drivers who are either uninsured or don’t have sufficient insurance.

Lenders often require that motorhome owners who finance insure their RV with comprehensive, collision and gap coverages. The same typically applies when leasing. These are in addition to the state’s minimum coverage requirements.

Some of the other coverages are similar to what a homeowners policy might offer, while additional options make still more protections available:

Personal Property Coverage

Normally insures items inside the RV. These might include small appliances, dishes, clothing, cameras, computers, souvenirs, and much more.

Stationary Liability Coverage

Normally insures against everyday accidents occurring in or around the RV when it’s parked

Emergency Travel Coverage

Normally pays unexpected expenses that are incurred when travel plans get unexpectedly disrupted.

Full-Time RV Coverage

Normally extends a broader range of protections for individuals who live in their RV full-time, without maintaining a separate primary residence.

RV Insurance Texas

What categories of RV policies are there?

RV policies are categorized into three different classes, with each class designed for a different vehicle size:

  • Class A: Mainly for the biggest RVs and converted buses.
  • Class B: Mainly for medium RVs and some camper vans.
  • Class C: Mainly for small RVs, small camper vans, and fifth-wheels.

A specialized motorhome insurance agent can help RVers get the right class of policy based on their motorhome’s size.

How much does it cost to insure a motorhome?

The cost of insuring a motorhome depends on many factors. Just a few include:

  • RV’s year, make, model, and mileage
  • RV’s size and insurance policy class
  • Primary driver’s accident history
  • Annual mileage and usage
  • Chosen coverages, deductibles, and limits

Working with an independent insurance agent is an easy way to get customized motorhome insurance quotes from several insurance companies. The agent can then assist with comparing coverages and premiums.

RV Insurance Texas

How can motorhome owners in Texas get RV insurance?

If you have a motorhome in Texas to insure, contact the independent insurance agents at Kirk Insurance Agency. Our team will make sure you find RV insurance that protects your motorhome well, both when it’s on and when it’s off the road.


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