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The Texas RV Insurance Specialists at Charlotte Insurance are Ready to Help You Protect Your Rig!

Living the RV life in Texas means you have miles upon miles of open road to travel and plenty of sites to see, without ever leaving the state. From the Fredericksburg RV Park deep in Texas hill country to the Grand Texas RV Resort in Austin to a road trip down scenic US Hwy 281 and the tour of small towns along the way, you can experience everything Texas has to offer right from your RV.

And that’s before you cross the state line and head east, west, north or south. Your Texas RV life, though, needs to be protected.



Before you ever get on the road, you need Texas RV insurance. Certain policies are required by law but plenty of other coverage is designed to keep you well protected and get you back on the road when something goes wrong. The more coverage you have, the better you can protect yourself, your family, and your RV.

Here at Charlotte Insurance, we’re here to help you find the right Texas RV insurance policy for your lifestyle, your travel plans, and your recreational vehicle.

Contact us today to get a free Texas RV quote for your first RV policy or your next one. Make sure your home-on-wheels is well covered while you’re on the road or parked.

Common Texas RV Insurance Misconceptions

Is my RV covered by my homeowners insurance?

While your RV is parked at your home, your homeowners insurance may provide some level of coverage, based on the specific provisions in your homeowners policy. But once you start to travel, whether you’re driving or parked at a campsite, you’re no longer covered by your homeowners insurance.

Does my homeowners policy cover my belongings in my RV?

Again, as long as your RV is parked at your Texas home, your homeowners policy may offer some limited coverage. The keyword here is limited. Additional accessories you’ve added – awnings, satellites, and more – won’t be covered, and the little available in your policy probably won’t be enough to replace everything in your RV.

Isn’t Texas RV insurance expensive?

What you pay for your Texas RV insurance depends on a variety of factors. Part of it depends on how you use your RV, whether you’re a part-timer or full-timer. Your own driving habits, previous claims history, deductibles, and policy limits all affect how much you’ll pay, as well.

Texas RV Insurance Requirements

If your RV is a motorhome, the state of Texas requires you to purchase liability coverage:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage per accident

Liability coverage pays for the other driver’s damage and injuries when you’re at fault for the accident. Most importantly, state minimums often aren’t nearly enough to protect you after a serious accident. When the other driver decides to sue, you’ll wish you had more coverage.

Campers, trailers, and fifth wheels aren’t required by Texas to be covered under a separate RV insurance policy. In most cases, these types of RVs will be covered by your vehicle’s liability policy. However, if you live in your RV full-time, you should consider the extra liability protection that full-time RV insurance provides.

Types of Coverages for Texas RV Insurance


You have two types of coverage with liability insurance:

  • Bodily injury
  • Property damage

It pays for injuries and property damage when you cause an accident out on the road. It also pays for injuries and property damage when someone visits your RV or campsite and gets hurt. Most importantly, liability coverage helps pay your legal fees and any settlements that they decide to sue you later.

If this sounds like your homeowners and auto liability, that’s because it works much the same way. But it's designed for the unique experience of living in an RV. A deductible will apply.

Comprehensive and Collision

Your Texas RV is more than your primary residence or vacation home, it’s also a vehicle. When something goes wrong – you hit a pole or your RV is stolen – comprehensive and collision coverage cover the cost to repair or replace your RV. Deductibles apply.

Lenders often require you to purchase comprehensive and collision insurance when you finance the purchase of your RV.

Physical Damage

When your RV is damaged in an accident or other covered peril, physical damage coverage pays the cost to repair your RV or pays out for a total loss. There are three ways this coverage can be applied based on your policy:

  • Actual Cash Value (ACV): If your RV is totaled, you receive the value of your RV at the time of the loss. ACV takes the age and condition of your RV into consideration so it likely will not be enough to replace your RV with a new one.
  • Agreed Value (AV): If your RV is totaled, agreed value coverage pays you a previously agreed upon amount without considering the depreciation of your RV (for up to 10 years). The value you would receive will be listed on the Declaration page of your policy.
  • Replacement Cost (RC): If your RV is a total loss, replacement cost coverage pays you the amount needed for a new/comparable RV or you’ll receive the amount listed on the Declaration page of your policy. After five model years, the amount listed on the Declaration page will be paid instead of the replacement cost. When you purchase this coverage, your Texas RV must be the current model year or only one model year old at the time it’s insured with no previous owners. It can also never have been titled or insured before.

The amount you’ll receive will be minus your deductible.

Emergency Expense

When you’re on the road in Texas, an emergency in your RV means you don’t always have a place to stay or a back-up vehicle to drive. Emergency expense helps cover the extra costs if your RV can’t be driven or lived in due to a covered comprehensive or collision claim that occurs more than 50 miles away from your primary residence or storage facility.

This coverage pays up to a specified amount for:

  • Temporary living accommodations like a hotel
  • Cost of transportation to get back home.
  • Cost of getting your RV back home, as long as your RV isn’t declared a total loss.
  • Cost of renting a vehicle while your RV is repaired.

If your RV is your primary residence, emergency expense coverage will have different requirements instead of the 50 mile radius rule. Talk to your independent insurance agent about how this works when you talk about covering your Texas RV.

Personal Effects

Personal effects coverage pays to replace your personal belongings used in your RV. This includes clothing, electronic devices, as well as appliances used inside your RV, and other belongings. Your personal effects will be covered up to a specified limit, based on what you choose for your policy. If you keep high-value items, like jewelry or collectibles in your RV, talk to your insurance agent about extra coverage for these belongings.

A deductible will apply to any claims you file.

Full-Timers Coverage

Full-timers coverage provides extra liability protection and other coverage when your RV becomes your primary residence in Texas, including as you travel around the US and beyond. Coverage is also available if you live in an RV while your house is renovated, repaired, or being built. The primary vehicle use must also be your primary residence.

You can select from a variety of coverage including: Medical Payments, Loss Assessment, Attached Accessories, Adjacent Structures, and more.

Medical Payments

Medical payments coverage pays for injuries to anyone riding in your RV regardless of who’s at fault for the accident. The same coverage limits will apply to all vehicles on your policy. This can take a huge weight off of your shoulders when there are injuries associated with an accident.

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist coverage is required by the state of Texas. It protects you, the relatives who live with you, and your passengers in your RV when the other driver is at-fault in an accident but they don’t have any or enough liability insurance coverage.

If you, as the named insured, request Stacked Uninsured Motorist coverage, then the policy limits for each vehicle listed on your insurance policy can be added together to determine the total amount that may be recovered (stacked) for all covered injuries to you and your resident relatives.

If you request Non-stacked Uninsured Motorist, then the injured person may not add or combine the coverage provided as two or more motor vehicles together to determine the limits of uninsured motorists available, except in very limited instances.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP), also known as No-Fault coverage, provides coverage regardless of whether or not you cause the accident, up to the limits of your policy.

Here’s what PIP covers:

  • Any children who live in your household, if they suffer an injury while riding on a school bus.
  • You and any relatives living in your home, some passengers who lack PIP coverage, and certain licensed drivers who drive your RV with your permission.
  • When you’re in someone else’s vehicle.
  • It also protects you as a pedestrian or bicyclist if you suffer an injury in an accident involving a motor vehicle. This is important if outdoor activities are a part of your RV life.

Texas requires that every driver is offered at least $2,500 in PIP coverage from an insurer. However, the minimum PIP coverage we offer for RV insurance is $10,000. PIP coverage pays 80% of reasonable medical expenses, 60% of lost wages and all reasonable expenses for replacement services such as child care, housekeeping or yard work, and $5,000 for death benefits.

Extended Personal Injury Protection is an option for an extra premium. It pays 100% of your reasonable medical expenses and 80% of lost wages.

Personal Injury Protection Deductible lets you choose a PIP deductible of $250, $500 or $1,000. Your deductible is subtracted from the available PIP benefit or the total amount you can collect.

  • If PIP with a deductible for “Named Insured only” is chosen then the deductible will only apply to the named insured and your spouse but not any other relatives that live with you.
  • If PIP with a deductible for Named Insured & Resident Relatives is chosen then the deductible will apply to the named insured, your spouse, and all dependent relatives living with you.

Work Loss Exclusion allows you, as the policyholder, to exclude benefits received for loss of gross income and earning capacity from PIP coverage.

Roadside Assistance

Roadside assistance provides coverage when your RV is out of commission due to a covered emergency or situation. You have access to this coverage 24/7 within the United States and Canada.

Here’s what’s included in the roadside assistance for your Texas RV:

  • Towing to the nearest qualified repair facility.
  • Being pulled out of mud, snow, water, or sand with a motor-powered cable or chain. This is usually provided when your RV is trapped within 100 feet of road or highway.
  • Jump-starting your battery when it dies
  • Having fuel delivered directly to your RV when you run out of gas. You have to pay for the gas.
  • Being let back into your RV when your keys are lost, stolen or accidentally locked inside your RV. You have to pay to replace your keys.
  • Changing a flat-tire
  • Up to one hour of on-scene labor when your RV is broken down.

Before you jump behind the wheel and get out on a Texas highway, make sure your RV is well-protected with the best RV insurance you can afford. Contact Charlotte Insurance for a free quote today!