What is RV insurance?

Driving any type of motorhome comes with certain risks, and those risks typically extend beyond what standard auto insurance protects against. RV insurance can offer Texas residents who drive motorhomes the auto and other protections they need.

Motorhomes are unique types of vehicles and thus have unique insurance coverage considerations. RV insurance makes specialized coverages available for these vehicles.

Who in Texas needs motorhome insurance?

Most Texas residents who have motorhomes or RVs should carry motorhome insurance. Coverage is generally required by state law if these vehicles are driven on public roads. Even when they’re not being driven, insurance is still recommended in case a motorhome sustains damage.

In some cases, RV owners might be required to carry certain insurance coverages. Owners who have leases or loans on their motorhomes are likely obligated by the terms of their financial agreement to have insurance. Lenders include such requirements in their agreements as a means of protecting their financial interest in leased/financed vehicles.

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What RV sizes do motorhome insurance policies cover?

Motorhome insurance policies are typically classified into three distinct groups. Each group usually insures RVs that are within a certain size range. The three groups are:

  • Class A: Normally covers large RVs and converted buses
  • Class B: Normally covers medium RVs, camper vans and travel trailers
  • Class C: Normally covers small RVs and fifth-wheel trailers

What coverages do motorhome insurance policies come with?

Motorhome policies usually have a number of coverages, which can include protections that would normally be found in auto insurance policies or homeowners insurance policies. Together, the coverages provide robust protection against driving and non-driving risks.

Some of the coverages that are akin to what would likely be found in an auto insurance policy are:

  • Comprehensive Coverage: May cover motorhome damage from non-accident incidents
  • Collision Coverage: May cover motorhome damage from multi-vehicle accidents
  • Property Damage Liability Coverage: May cover damage to others’ vehicles and property
  • Personal Injury Coverage: May cover injuries to motorhome’s the driver and passengers
  • Bodily Injury Coverage: May cover injuries to people not in the motorhome
  • Underinsured/Uninsured Motorist Coverage: May cover accidents with uninsured drivers

Some of the coverages that are more akin to what’d probably be in a homeowners insurance policy are:

  • Personal Property Coverage: May cover damage to/loss of personal belongings
  • Emergency Expenses Coverage: May cover unexpected expenses following an incident
  • Campsite and Vacation Coverage: May extend protections to when an RV is parked
  • Full-Timer Coverage: May provide more liability and property protections for full-time RVers

There are still more coverages that motorhome owners might want to look for. An insurance agent who specializes in these policies can help owners find all of the coverages they need.

RV Insurance texas

Do motorhome owners need to purchase personal property coverage through their RV policy?

People generally should have personal property coverage, which could protect belongings such as clothes, furniture, dishes, electronics and more. Motorhome owners can go about securing personal property coverage a few different ways.

RVers who have a primary residence likely get some personal property coverage through their homeowners insurance (or condo insurance, etc.). This coverage may provide “worldwide coverage” for belongings, which normally means belongings are covered anywhere that an RV would go (exclusions often apply to war zones, etc.). 

If a homeowners insurance policy provides “worldwide coverage” for personal belongings, then additional personal property coverage through an RV policy is likely unnecessary. Motorhome owners might indeed be able to forgo save a little by forgoing this coverage when insuring their RV.

If a homeowners insurance policy doesn’t provide “worldwide coverage” for belongings, then the protection afforded when belongings are away from the residence could be quite limited. Including this coverage in an RV policy would likely be recommended in this situation.

Full-time RVers often don’t have any homeowners insurance policy. For this reason, personal property coverage is frequently included in full-timer coverage.

How can motorhome owners in Texas get RV insurance?

For help insuring a Texas-registered motorhome, contact the independent insurance agents at Wise Insurance Group. Our agents have worked with many drivers, and we’ll help make sure you find RV insurance that protects you well both when on the road and when parked.

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