Get Texas RV Insurance That Covers How You Actually Use Your Rig

Embark on Texas-sized adventures with Roamly, your go-to partner for RV insurance in the Lone Star State. From the bustling cities to the vast desert plains and everything in between, our tailored insurance for motorhomes of Texas ensures that each mile of your journey is safeguarded and serene.

Texas requires 30/60/25 liability coverage for all motorized RVs—the same minimums as cars. That's $30,000 per person for injuries, $60,000 per accident, and $25,000 for property damage. Travel trailers don't legally require separate insurance, but your auto policy won't cover damage to the trailer itself.

Whether you're a weekend warrior exploring Big Bend or a full-timer calling your Class A home, Roamly may build coverage around how you actually use your rig. We're one of the few insurers who won't cancel your policy when you rent out on Outdoorsy or RVshare—and we may cover DIY van builds that other companies won't touch. 

Most Texas RVers pay between $500 and $1,500 annually. Roamly customers can save up to 35% compared to other providers, especially on travel trailers and Class B vans. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

Who We Insure

Roamly may offer coverage for the full range of Texas RV owners:

• Full-Time RVers: Your rig is your home. You may need coverage that works like homeowners insurance—liability when parked, personal property protection, and more.

• Weekend Warriors: You hit the road a few times a year. You need solid coverage without paying full-timer prices.

• DIY Builds & Van Conversions: That Sprinter you spent six months converting? We may insure it for what it's actually worth—not some database guess.

RV Rental Hosts: List your rig on Outdoorsy or RVshare without breaking the terms of your policy. Most insurers won't do this. We may offer this option.

What Are the Minimum RV Insurance Requirements in Texas?

Texas requires liability insurance for all motorized RVs (motorhomes, Class A/B/C) with the following minimums:

• $30,000 for bodily injury per person

• $60,000 for bodily injury per accident

• $25,000 for property damage per accident

This 30/60/25 coverage is the legal minimum—same as cars. Travel trailers aren't required to carry separate insurance under Texas law, but your tow vehicle's policy won't cover damage to the trailer itself. We strongly recommend coverage for any RV you own.

Collision and comprehensive coverage aren't legally required, but Texas leads the nation in hail claims. One spring storm can total an RV roof. If you're storing or traveling in Texas between March and June, comprehensive coverage is practically essential. Requirements vary by state — check your state's Department of Insurance for current minimums.

Source: Texas Department of Insurance

How Much Does RV Insurance Cost in Texas?

RV insurance rates in Texas depend on your rig type, how often you use it, and your driving history. Here's what most Texas RVers pay:

• Part-Time RVers: $500–$1,500 per year

• Full-Time RVers: $1,000–$3,000 per year

• Liability-Only (minimum): $125–$400 per year

Your rate will be higher for newer, more expensive rigs (a $300k Class A costs more to insure than a $25k travel trailer). It'll be lower if you store your RV in a garage, have a clean driving record, and bundle with other policies.

Roamly customers can save up to 35% on RV insurance compared to other providers. Our efficient quoting process and specialty focus mean better rates—especially for travel trailers and Class B vans.

Source: Progressive Texas RV Insurance reports average. motorhome premium of $1,392/year (2024)

Coverage Options for Part-Time and Full-Time Texas RVers

Whether you use your RV for occasional getaways or live in it year-round, you can customize coverage to fit your needs.

Part-Time / Weekend Use Coverage:

For weekend warriors and part-time RV owners, we provide a variety of coverage options:

• Liability Coverage: Required by Texas law. Pays for injuries and property damage you cause to others.

• Collision Coverage: Repairs your RV after an accident, regardless of fault.

• Comprehensive Coverage: Covers theft, fire, hail, vandalism, and flooding—critical for Texas weather.

• Uninsured/Underinsured Motorist: Protects you if hit by a driver without adequate insurance.

• Medical Payments Coverage: Pays medical bills for you and passengers after an accident.

• Vacation Liability: Coverage for incidents at your campsite when parked.

Full-Time / Live-In Coverage:

Everything above, plus protections designed for RVers whose rig is their primary residence:

• Full-Timer's Liability: Similar to homeowners' liability—covers you when your RV is parked and used as a home.

• Personal Property Coverage: Protects your belongings inside the RV (electronics, clothing, gear) up to your policy limit.

• Scheduled Personal Property: Higher limits for expensive items like cameras, jewelry, or specialized equipment.

• Loss Assessment Coverage: Pays fees if you damage shared property at an RV park or campground.

• Emergency Expense Coverage: Reimburses lodging and transportation (up to $7,500) if your RV is disabled due to a covered loss.

• Adjacent Structures Coverage: Protects attached structures like awnings, satellite dishes, or slide-out rooms.

• Diminishing Deductibles: Your deductible drops for every year you stay claim-free.