Motorhome Owners
Class A, B and C motorhomes that you drive rather than tow.
RV Insurance in Texas
Coverage for motorhomes, travel trailers and fifth wheels, from weekend trips to the coast to living on the road full time.
Who It's For
Travel Trailer and Fifth Wheel Owners
Towables pulled by your truck, including toy haulers and pop up campers.
Full Time RVers
People who live in their RV for most or all of the year and need coverage closer to a homeowners policy.
Seasonal RVers
RVs parked at a campground or storage lot for part of the year.
What It Covers
Liability
Injury and property damage you cause while driving a motorhome. For a towable, the auto policy on the tow vehicle may cover accidents you cause while towing.
Collision and Physical Damage
Damage to the RV from a crash, plus theft, fire, hail, flood and vandalism.
Personal Effects
Belongings inside the RV. A homeowners policy may pay for some of them, but that coverage is very limited.
Campsite Liability
Claims from someone hurt in or around your RV while it is parked, not just while it is on the road.
Full Timer Coverage
Personal property and liability written for people who live in their RV, closer to what a homeowners policy provides.
Roadside and Towing
Help with breakdowns, flat tires and towing sized for an RV, depending on the insurance company.
Texas and San Antonio Details
Texas law requires an auto policy with liability coverage on a motorhome, the same as any car or truck you drive. Collision and other physical damage coverage pays for damage to the motorhome itself, including fire, flood and theft, and a lender on a financed motorhome will usually require it.
Travel trailers and fifth wheels work differently. The auto policy on your truck may pay for accidents you cause while pulling the trailer, but damage to the trailer itself usually needs a separate RV policy or an endorsement. Check both policies before your first trip, especially if the trailer is new or financed.
Where the RV is kept matters. Many San Antonio owners use a storage lot or a covered pad, and hail and theft are real exposures for an RV that sits outside for months. If you live in your RV full time, tell us. Full timer coverage adds personal property and liability that a recreational policy may not include.
Common Questions
Do I Need Insurance on a Travel Trailer in Texas?
Your truck's auto policy may cover liability while you tow it, but damage to the trailer itself usually needs a separate RV policy or endorsement. Lenders on financed trailers commonly require physical damage coverage.
Is RV Insurance Required for a Motorhome?
Yes. Texas law requires an auto policy with liability coverage on a motorhome. Collision and physical damage coverage are optional unless a lender requires them.
Does Homeowners Insurance Cover My RV?
Not the RV itself. A homeowners policy may cover some belongings kept in the RV, but the amount is very limited, so contents are usually insured on the RV policy.
What Is Full Timer RV Insurance?
Coverage for people who live in their RV, adding personal property and liability similar to a homeowners policy. It can pay for things like a guest hurt inside your RV while you are parked.
Can I Lower Coverage While My RV Is in Storage?
Some insurance companies let you reduce coverage during months the RV sits unused. Keep liability on a motorhome you plan to drive, and ask us before you change anything. As an independent agency, we can request quotes from more than one insurance company.
Related Coverage
Ready to Talk Coverage?
Send a request or call us to get started.