RV Insurance Guide - Coverage Types, Costs and Best Providers

Your truck’s auto policy covers towing liability. That’s it. The trailer itself, your belongings inside and liability while parked at camp — none of that is covered without a separate RV policy.

Coverage Types

Liability Only

Covers damage you cause to others while operating the RV. Required by law for motorhomes. Optional for travel trailers (your auto policy covers towing liability).

Cost: $150-400/year

Covers: Bodily injury and property damage to others

Doesn’t cover: Your RV, your belongings, weather damage

Comprehensive + Collision

Covers damage to your RV from accidents, weather, theft, fire and vandalism. Collision covers accidents you cause. Comprehensive covers everything else.

Cost: $500-1,500/year (based on RV value)

Covers: Accident damage, hail, theft, fire, flooding, falling trees, animal strikes

Deductible: $250-1,000 (higher deductible = lower premium)

Full-Timer Policy

If the RV is your primary residence, you need this. It replaces homeowner’s insurance and adds coverage a standard RV policy doesn’t include.

Cost: $1,200-3,600/year

Additional coverage:

• Personal liability (someone slips on your RV steps)
• Personal belongings at replacement cost
• Emergency living expenses
• Attached structures (awning, screen room)
• Medical payments for guests

Best RV Insurance Providers

Good Sam / National General

Most popular RV-specific insurer. Full-timer options, replacement cost coverage and vacation liability. Bundled roadside assistance through Good Sam. Competitive rates for travel trailers.

Progressive

Handles a huge share of RV policies. Online quotes are fast. Options for full-timers, seasonal use and storage. Replacement cost available on newer RVs.

Roamly

Newer company built specifically for RVers. Modern app-based experience, pay-per-mile options for rigs that don’t move often. Good for part-time campers and stored RVs.

Foremost (Farmers)

Strong in the specialty vehicle space. Good full-timer coverage. Higher premiums but broader coverage options.

Texas-Specific Considerations

Hail Coverage

Texas gets more hail than anywhere in the country. A comprehensive policy with low-deductible hail coverage is essential. Some policies exclude hail or charge a separate deductible. Read the fine print.

Flood

Standard RV policies cover flood damage (unlike homeowner’s policies). But if you store your RV in a flood-prone area, verify your specific policy includes flood while in storage.

Windstorm

North Texas tornadoes and straight-line winds damage RVs regularly. Confirm your comprehensive coverage includes windstorm without excessive deductibles.

Money-Saving Tips

Bundle with your auto policy. Many insurers offer 10-15% multi-policy discounts.

Take a defensive driving course. Texas-approved courses save 5-10% on premiums.

Higher deductible. Moving from $250 to $1,000 deductible drops premiums 15-25%. Only do this if you can cover the deductible out of pocket.

Storage discount. If the RV sits in storage for months, some insurers reduce rates during storage periods. Roamly’s pay-per-mile model does this automatically.

Safety equipment discounts. Anti-theft devices, tire pressure monitoring, smoke detectors and propane leak detectors can qualify for small premium reductions.

What to Do After an Accident

1. Document everything with photos and video
2. File a police report if another vehicle is involved
3. Contact your insurance company immediately
4. Don’t authorize repairs until the adjuster inspects
5. Get multiple repair estimates
6. Keep all receipts for temporary living expenses

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