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What is RV Insurance?
RV insurance protects you against losses experienced from an accident or other covered event involving your RV. Similar to auto insurance, RV insurance includes property, medical, and liability coverage, although you can add riders to your policy to cover additional needs.
RV insurance coverage is provided up to the limits specified in the policy and usually includes a deductible that must be paid before the insurance steps in. This type of protection applies to every class of motorhome (A,B, and C), as well as travel trailers, fifth wheels, pop-up campers, and truck trailers.
What Is Covered By An RV Insurance Policy?
An RV insurance policy may include any or all of a range of coverages, including these 6.
Bodily Injury Liability
Bodily injury liability applies to injuries sustained by others as a result of an accident involving your RV. This coverage may also pay for lost wages, funeral expenses, or rehab.
Medical Payments or Personal Injury Protection (PIP)
Medical payments protection applies to injuries you or your passengers sustain in an accident involving your RV. Limits to this coverage will be specified in your policy.
Property Damage Liability
This coverage applies when you or someone driving your RV with your permission causes damage to someone else’s property. This damage can include that caused to motor vehicles, RVs, or other property, such as lamp posts, buildings, and fences.
Collision coverage applies to damage your RV sustains in an accident. It may apply regardless of whether or not you are at fault in the accident.
This coverage applies to damage your RV sustains as a result of non-accident-related events. These events can include theft, vandalism, natural disasters, falling objects, rocks, debris, impacts from animals, and other events.
Uninsured and Underinsured Motorist Coverage
This type of coverage applies when your RV is damaged by a driver who does not have insurance or does not have enough insurance to cover the related costs. This coverage also applies to hit and runs and may cover medical expenses.
Frequently Asked Questions
Learn more about RV insurance by exploring the answers to common questions, and then contact us for additional information.
- What coverage do I need for a travel trailer?
There are no legal requirements to purchase insurance for a travel trailer, since it is pulled by your motor vehicle and is therefore usually covered by your auto insurance policy. However, you may want to purchase physical damage coverage for these trailers, and your lender may require it in order to provide financing for your purchase.
- What coverage can I purchase if I live in my RV full time?
If you use your RV as a full-time residence, you may be able to purchase full-timer coverage that will offer protections similar to those provided by homeowners or renters insurance.
- How much does RV insurance cost in Texas?
The cost of RV insurance will vary depending on a number of factors, such as the coverage and policy limits you choose, the age and condition of your RV, the class of recreational vehicle you own, how much you use it, and more. Your agent can work with you to find RV insurance that is appropriate for your needs and your budget.
- What are the RV insurance coverages I need?
Texas’ RV insurance requirements are the following: $30,000 bodily injury insurance per person, $60,000 total bodily injury coverage per accident and $25,000 in property damage per accident. These are minimum requirements, however. You should discuss your circumstances with your agent in order to better determine which coverages will work best for your situation.
- What are additional RV insurance coverages I can purchase?
In addition to the six coverages listed above, you may be able to purchase additional coverages. These can include any or all of the following: Pest damage protection, replacement cost/personal effects coverage, pet coverage, emergency expenses coverage, towing, and more. Talk about your coverage options with your agent.
- How can I save money on my RV insurance in Texas?
There are a number of discounts that you may be able to use to lower your RV insurance rate in Texas. These can include the following: Having multiple policies with the same insurance company, being the first owner of the recreational vehicle, having a clean driving record free of tickets and accidents, and others. Ask your agent about discounts for which you may be eligible.