RV Insurance in Texas

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

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.

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.

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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:

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:

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:

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:

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.

https://www.titlemax.com/discovery-center/planes-trains-and-automobiles/which-u-s-states-spend-the-most-on-rvs-per-capita/ https://www.txdmv.gov/sites/default/files/body-files/SmartBuyer_SmartRV.pdf https://www.nolo.com/legal-encyclopedia/texas-car-insurance-requirements.html https://statutes.capitol.texas.gov/docs/in/htm/in.1952.htm#:~:text=(a)%20In%20this%20section%2C,from%20owners%20or%20operators%20of https://www.tdi.texas.gov/tips/uninsured-motorist-coverage.html 

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