RV Insurance Overview 

RV insurance in Texas is designed to cover many vehicles, including motorhomes, travel trailers, camper vans and fifth wheels. A standard RV policy typically includes:

• Liability coverage: This helps pay for injuries or property damage you may cause to others while operating your RV and is required by Texas law for motorized RVs.
• Collision coverage: Covers damage to your RV from accidents, regardless of who is at fault.
• Comprehensive coverage: Protects against non-collision events such as theft, fire, vandalism, or weather-related damage.
• Personal belongings coverage: Offers protection for items inside your RV, such as electronics, clothing, and camping gear.
• Uninsured/underinsured motorist coverage: Helps cover your costs if you’re involved in an accident with a driver with insufficient insurance.

Texas State Requirements for RV Insurance

In Texas, all motorized RVs must carry at least the state’s minimum liability insurance, similar to standard auto insurance requirements. Towable RVs, like travel trailers, are generally covered under the liability policy of the towing vehicle, but additional coverage may be needed for complete coverage.

How Our Team Can Help

Our team at Ugarte Insurance Agency specializes in helping Texas RV owners find the right coverage for their needs. We take the time to understand how you use your RV, whether for occasional trips or as a full-time residence, and recommend policies that fit your lifestyle and budget.

Ready to explore your RV insurance options? Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.