RV & Trailer Insurance

Whether you're a weekend warrior exploring Texas state parks or a full-timer living the RV lifestyle, your recreational vehicle needs specialized insurance coverage. RVs and travel trailers represent significant investments and require protection beyond what standard auto insurance provides. From Class A motorhomes to small travel trailers, we cover vehicles that help you explore the Lone Star State.

Your policy covers the physical structure of your RV including damage from collisions, storms, fire, and theft. Comprehensive coverage protects against non-collision events like the hail that regularly strikes the Panhandle or theft while your RV is in storage. Personal belongings inside your RV are covered, from clothing and electronics to camping equipment and furnishings. This matters when you're living in or traveling with your home on wheels.

Liability coverage protects you if your RV causes injury or property damage to others. Emergency expense coverage handles lodging, food, and transportation if your RV becomes uninhabitable far from home—critical when you're touring from Big Bend to Caddo Lake. Roadside assistance and towing coverage is essential for large RVs that can't be serviced by standard tow trucks.

If you live in your RV full-time, your policy should reflect this with full-timer coverage that provides protections similar to homeowners insurance. Many Texans choose RV living, especially in the Rio Grande Valley during winter months, and their insurance needs differ from recreational users.

Vacation liability coverage protects you at campgrounds throughout Texas and beyond. Total loss replacement ensures that if your RV is totaled shortly after purchase, you receive enough to replace it with a new model rather than just its depreciated value. We help RV owners understand exactly what coverage they need based on how they use their vehicle, whether that's occasional trips to Garner State Park or full-time travel across the country.