RV Insurance

Coverage for the Long Haul

Whether your RV is a weekend escape or your full-time home on wheels, the right insurance helps protect your vehicle, your belongings, and your journey. We provide RV insurance tailored to West Texas travelers—offering peace of mind from the driveway to the open road.

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What Your RV Insurance Can Include

Liability Coverage

Pays for injuries or property damage you cause while operating your RV; required for motorized units in Texas.

Comprehensive Coverage

Protects your RV from non-collision events like fire, theft, hail, or vandalism.

Collision Coverage

Covers damage to your RV from an accident, regardless of who is at fault.

Personal Property Coverage

Insures the contents of your RV, including appliances, electronics, tools, and personal items.

Vacation Liability

Provides liability coverage while your RV is parked and being used as a temporary residence.

Roadside Assistance

Helps with towing, flat tires, lockouts, and other breakdowns while you’re traveling.

Coverage That Travels Across Texas

RV life in West Texas has its own needs

RV owners in West Texas often travel long distances, face extreme weather, and store their vehicles for months between trips. Whether you’re parked at a state park, boondocking on private land, or driving across the country, your RV needs protection that covers both your vehicle and the lifestyle it supports. We help RV owners from Abernathy to Lubbock and beyond build policies that match how they use their rigs—seasonally or year-round. From towable campers to luxury motorhomes, we’ll help you insure your investment with the right level of coverage.

Frequently Asked Questions

  • Is RV insurance required in Texas?

    If your RV is a motorhome with its own engine, Texas requires you to carry minimum liability coverage, just like a car. For travel trailers, fifth wheels, and other towable RVs, insurance isn’t legally required, but is still strongly recommended. Lenders and campgrounds may also require proof of coverage. We’ll help you meet legal requirements and ensure your RV is fully protected.

  • Does homeowners insurance cover my RV contents?

    Homeowners insurance may provide limited protection for personal items stored in your RV, but only when the RV is parked at your home. Once you’re on the road, most homeowners policies don’t apply. RV insurance with personal property coverage fills that gap and protects your belongings wherever you go. It’s especially important for full-time or frequent travelers.

  • Can I insure a camper or fifth wheel?

    Yes, we offer insurance for all types of towable RVs, including pop-up campers, travel trailers, toy haulers, and fifth wheels. Coverage can include both physical damage to the trailer and liability while it’s parked or in use. Even though these RVs aren’t motorized, they still need proper protection. We’ll help you decide what makes sense based on how and where you use it.

  • Does RV insurance cover full-time living?

    Standard RV policies are designed for part-time or recreational use, but we also offer full-timer coverage for those who live in their RV year-round. This includes expanded liability, loss of use protection, and higher coverage limits. If your RV is your primary residence, we’ll build a policy that reflects your lifestyle. Let us know how often you’re on the road so we can get it right.

  • What if I only use my RV a few times a year?

    Even when your RV is parked or in storage, it can still be damaged by weather, fire, theft, or vandalism. Year-round coverage ensures you’re protected during the off-season, not just when you’re traveling. We can also explore seasonal or usage-based policies that reflect how often you hit the road. It’s all about creating coverage that matches your habits, not just your vehicle.