Cost Effective RV Insurance For All Class Sizes


For an RV insurance quote please use this link: Online RV Insurance Quotes

Recreational vehicles, also known as RVs, are one of the greatest ways to enjoy the great outdoors. Your RV can take you throughout the glorious state of Texas and beyond providing a unique view of America for you and your family. Some travelers adopt a full-time vagabond lifestyle, while others enjoy RVs and campers as a home away from home. For others, an RV is a great way to enjoy a vacation while hitting the open road.

It doesn’t matter how you enjoy your RV, if you are traveling, you’ll need to protect yourself and your vehicle. RV insurance in Texas doesn’t have to cost an arm and a leg. Forgoing your coverage, however, could result in costly consequences including fines, restoring losses out-of-pocket, and liability issues. Finding the right RV insurance doesn’t have to be a hassle and the right coverage will provide you with comfort and protection in the event of a loss.

RV Insurance Coverages

An RV is unique as it is part vehicle and part home. There are a lot of different things that can go wrong and it’s your responsibility to protect against such losses. Of course, any owner is wise to hope for the best, but preparing for the worst will help you recover sooner and prevent headaches should the worst come. The following RV insurance coverage options can help you lower your risk and receive the right amount of compensation when restoring your loss.

Liability Coverage

RV insurance in Texas starts with liability coverage. It is required to stay legal and every driver can benefit from this protection as it protects in two ways after an accident:

  • Bodily injury.
  • Personal property.

When you assess the thousands of dollars that can easily rack up after an accident, liability coverage is a no-brainer. Repair costs only continue to rise and they are nothing compared to potential legal and medical expenses uninsured motorists may face, plus, fines for a lack of coverage. Restoring a new motorhome in full can reach over a million dollars for newer models. If you are at fault in an accident, liability coverage is the protection you need to keep from a major financial loss.

Comprehensive Coverage

Driving in your RV isn’t the only hazard you’ll have to consider. Theft, vandalism, extreme weather causing damage, and fires are only a few of the perils your RV will face while on the road and while parked at a campsite or in storage. Comprehensive coverage protects you in the event of a loss that is not related to driving but still affects your RV. You’ll receive reimbursement after paying a deductible.

Collision Coverage

Adding collision coverage to your motorhome or camper gives you the ability to restore your RV after an accident with another vehicle or an object. You are protected regardless of fault, but like comprehensive coverage, you’ll need to pay your deductible first.

Medical Payments Coverage

It doesn’t matter who is at fault, if your motorhome is in an accident and you or your passengers incur medical expenses, your medical payments coverage will pay for it. It is important to note that this coverage is specific to motorhomes and not all RVs.

Uninsured/Underinsured Motorists Coverage

Getting in an accident is bad enough. The last thing anyone wants to face is an accident they are not at fault for and the guilty party either doesn’t have any insurance or not enough to restore the loss. By purchasing uninsured/underinsured motorist coverage, you are covered for the many expenses you might face following an accident including medical bills, repairs, and lost wages due to an inability to work.

Total Loss Replacement Coverage

According to Camper Report, RV prices range between tens of thousands to hundreds of thousands of dollars, and again, some new models can cost well over a million dollars. The amount you pay for your RV will depend on many factors including its year model, features, and class, but after an accident, no owner should have to face replacing their RV alone. Total loss replacement coverage will provide you with compensation should your current RV become uninhabitable and a replacement is necessary.

Roadside Assistance Coverage

Reconnecting with nature through an RV can bring you to considerably remote areas, and when a breakdown occurs, it can be even more complicated to get you back on the road. RVs are part vehicle and part home. Even if you don’t have a motorhome, you’ll find that repairing your RV will come with many unique challenges. From towing to fuel to fixing a variety of maintenance issues, roadside assistance can help even the most mechanically-inclined owner during their time of need.

Vacation Liability Coverage

Hosting visitors at your campsite can turn from a wholesome memory and into a colossal nightmare if they are injured while near or inside your RV. There are medical bills and legal expenses to consider, even on vacation. By purchasing vacation liability coverage, you’ll be protected should the worst happen so that you can unwind knowing you are covered.

Full-Timer’s Liability Coverage

Similar to vacation liability coverage, a full-timer’s liability coverage policy is here to protect you in the event someone is injured while around or inside your RV. The key difference here is that this protection is for those who are using their RV as their living quarters as opposed to a vacation.

Personal Effects Coverage

Although your home insurance policy may provide protection, personal effects coverage is there to protect your valuables while traveling. Popular items that are included are clothing, electronics, recreational items, instruments, furniture, and more. This is an excellent protection for homeowners as their home policy will come with limits in most cases. For RVers who are using their motorhome or camper on a more permanent basis, this coverage can help prevent a coverage gap. Some of the most common perils protected against include theft, vandalism, and fires.

Emergency Vacation Insurance

If you are on a vacation away from home and your RV becomes damaged to the point that it is uninhabitable, emergency vacation insurance is a coverage that can help you pay for lodging or a ride home. Stipulations and limits apply, but this coverage can help you overcome the many obstacles you’ll face in one of the worst scenarios any camper can imagine.

Pet Injury Coverage

Your fur babies deserve protection too. Rising vet costs and the potential for harmful perils are unfortunate pairings that make pet injury coverage a necessity for any pet owner. The policy applies to injuries sustained by your pet as the result of an accident.

Custom Parts and Equipment Coverage (CPE)

Your RV is like a second home and for many, it is a permanent home. Customizing your motorhome or camper with custom entertainment setups or awnings can take a considerable amount of money. Protect your investment against perils through CPE coverage.

There are many coverage options available for RV owners. Your risks and needs are different than other drivers and because of this, you’ll want to build the right protection that fits your lifestyle. Going underinsured can leave you in a bind financially during the aftermath of a loss. Having too much insurance will hurt your bank account by having you overpay for coverage options you may never use. An important step for any RV owner is to assess their risk. Consider the following during your self-audit:

  • The primary use of your RV.
  • How much your RV is used each year.
  • Your RV’s value.
  • Where your RV is stored/located for most of the year.
  • The amount of time spent driving your RV compared to it remaining stationary.

Determining your risks and speaking with your insurance agent about your protection needs can help save you thousands of dollars while eliminating coverage gaps.

Motorhome Classes Explained

Motorhomes can be broken down into three main classes: Class A, Class B, and Class C. Each motorhome has its own unique features and characteristics and regardless of your RV’s class, you’ll need protection. But you’ll also need to assess the unique coverage needs of your motorhome with its class in high consideration. Some policies are not available for certain classes and depending on your RV, others may be more recommended due to their usage and value. Take a quick look at the different classes of motorhomes available on the market:

Class A

Plenty of space is exactly what you get with a Class A motorhome. These motorhomes resemble buses and are the largest of the various classes on the market. Class A motorhomes may have slide-outs, can fit multiple people comfortably, and often come with many top-of-the-line luxury features.

Class B

Smaller motorhomes and camper vans fall into this category. There is less luxury and storage due to its reduced size, but Class B motorhomes are also cheaper to purchase, insure, and maintain. They also get better fuel mileage as they are easier to drive and require less fuel to operate than a Class A motorhome.

Class C

The most notable feature of the Class C motorhome is the overhead sleeper cabins found near the front of the vehicle. This allows for more space inside the living area of the motorhome, which is important due to its limited size. Class C motorhomes may have slide outs and while it may not get as good of gas mileage as a Class B, it is still more efficient than Class A motorhomes.

It doesn’t matter if you are looking to protect a Class A luxury motorhome, a Class C pop-up camper trailer without a motor, or any other RV in-between, Freedom Insurance Group can help you find the right coverage for your needs.

How Much Does RV Insurance Cost?

The average driver purchasing RV insurance in Texas will pay between $1,000-$2,000. This is only an estimate because each driver’s situation will be different including the class of RV being insured.

When an insurance carrier takes you on as a client, they will assess many different factors, but they all boil down to finding out the same thing: how much risk do you pose as a client? This is important because overall, drivers who are less of a risk will receive lower RV insurance premiums and those who are determined to carry more risk will pay more. These are some of the important factors an insurance company will look at before creating your premium:

  • Your driving record.
  • The amount of coverage you require.
  • The value and class of your RV.
  • Where your RV is located most of the year.
  • Your RV usage.
  • The age of your RV as well as your own.

Different insurers will assess these factors in their own way, which can create many different insurance rates for each RV. The best way to find the lowest rate for RV insurance in Texas is to compare your coverage among a variety of top-rated insurance brands and discover who can protect you for less.

Do I Need RV Insurance?

Yes, all drivers in Texas are required to keep a minimal amount of RV insurance to remain legal. You’ll need liability coverage protecting against both bodily injury and property damage. This trend continues throughout the United States and if you are going to operate a recreational vehicle, you’re going to need a proper RV insurance policy. Other types of RVs, such as campers that are pulled behind another vehicle, may be covered by an auto insurance policy and additional coverage options. Speak with an insurance agent to determine the best protection for your needs.

RV Insurance Bundles Save Texans Money

Like other forms of insurance, RV policy rates can be reduced through bundling. Many RV owners are also homeowners, boat owners, or have other vehicles that require protection. Combining your policies will give you the protection you require all for a lower overall cost. Explore some of the common additional insurance policies RV owners often benefit from and take advantage of bundling opportunities by speaking with an insurance agent to save more money:

Home Insurance

RVs may be your home away from home, but if you are a homeowner, you can bundle your RV policy with your home insurance policy to lower your rates.

Auto Insurance

Even if you are not a homeowner, most RV owners will also have an automobile. Your auto insurance policy is a great option for bundling as you can help protect the vehicle that either pulls your RV to your destination or pulls behind and lets you navigate once you are camping.

Umbrella Insurance

RVs are far from inexpensive and many owners who can afford such a vehicle may also have additional valuable assets of note. In the event of a lawsuit, the possessions and assets you’ve worked hard for, including your RV, may come under pressure if you are liable to another party. Umbrella insurance helps protect your assets and financial interests, the perfect bundling option for homeowners and RV owners alike.

Motorcycle Insurance

If you own a motorcycle, you’ll need coverage to legally operate it on the open road, and you can save by bundling your RV policy together. Even ATVs can receive protection through a motorcycle insurance policy.

Boat Insurance

Camping near the coast or close to a nearby lake is a surreal experience. Recreational water activities and camping go hand-in-hand, and for boat owners, you’ll need to insure your watercraft the same way you insure your vehicles on land. You aren’t required to have boat insurance in the state of Texas, but the financial struggle after a loss without a policy can be too much to overcome for many. Bundling your boat policy with an RV policy is a great way to gain protection for less.

Discounts for RV Insurance

Saving money on your RV insurance is a wise move by any driver. Both casual vacationers and full-timers can benefit from taking the time to assess a variety of discounts available for lowering your rate. Because RVs are a mix of both home and auto, these discounts resemble those you might find while protecting your home and other vehicles. You may not qualify for everything, but there is a diverse range of discounts available. Talk to an agent and find the best options that fit your lifestyle:


  • Multi-Policy Discount- Insurance brands love it when customers bundle. Get coverage for your RV and bundle it with another policy such as your home insurance to receive great protection for less.
  • Multi-Vehicle Discount- Similar to a multi-policy discount, if you combine your RV insurance with another auto policy, you will receive a lower insurance rate.
  • Paid-In-Full Discount- Paying your premium all at once can gain you a discount from your insurance provider. You’ll also benefit from one less monthly bill to worry about.
  • Good Driver Discount- A good driver is a less risky client. Maintain a clean driving record and watch the discounts come rolling in.
  • Claims Free Discount- Claims cost your insurer and for RV owners who manage to go without filing, benefits may be presented when it is time to renew. This is important to consider as insurance rates continue to climb due to the increase in the cost of repairs and medical expenses.
  • Age-Based Discounts- Drivers 55+ could see a discounted RV insurance rate as experienced drivers are less likely to be involved in an accident.
  • Discounts Related to Storage- If you store your RV while not in use, you can save serious money during the months it is not in use. After all, while in storage, your motorhome or camper is under much less risk. Some insurance brands will assess your lack of risk and pass the savings to you.

Other discounts may also be available including those associated with RV associations, discounts related to safety features, paperless billing, and more. Each insurance brand is different and will offer different discounts to its customers. Another great reason to shop your insurance through several different providers and find the best fit for your coverage needs.

Affordable RV Insurance in Texas

Finding affordable RV insurance in Texas doesn’t have to be as complicated as it seems. The best way to know that you are getting the lowest rate for your coverage is by shopping among a variety of insurance brands and determining the lowest provider from their options. But we understand that this can be quite time-consuming, which is why Freedom Insurance Group does all of the hard work for you.

We’ve partnered with more than 25 top-rated insurance brands to provide you with the following:

  • Faster RV insurance quotes than shopping a variety of providers one-by-one.
  • The lowest possible price on the market without cutting your coverage.
  • A customized approach to your insurance needs.
  • Confidence that your claim can be paid in full and in a timely manner should you suffer a loss.
  • Exceptional customer service from a team that works with your interests in mind instead of that of a singular insurance brand.

Proudly headquartered in Flower Mound, Texas, we understand the needs of Texans and have been helping campers since 2005 protect themselves while enjoying nature. Our average client saves around 40% when switching. Speak with one of our agents today and learn how much we can save you on your RV insurance today!

FAQs About RV Insurance

Our agents are ready to answer any question you might have about insuring your motorhome or camper. Feel free to reach out at any time. Still, some questions come up more frequently than others. Use this FAQ as a resource to some of the most common questions regarding RV insurance Texans are asking.

Who Sells RV Insurance in Texas?

Freedom Insurance Group is proud to work with 25+ top-rated insurance brands that help protect RV owners all over Texas. We compare your rate among a variety of brands to find you the lowest rate possible for your coverage.

Which RV Insurance is Best for Me?

No two policies are the same nor are the needs of one driver to the next. There are several coverages available to protect your RV and to determine the best insurance for your protection, you’ll need to assess how you use you regularly use your RV.

If you are a full-time RVer in a Class C motorhome, your coverage needs will be much different than those of a Class A owner who stores their motorhome 10 months out of the year. Audit the way you use your RV and speak with an agent to avoid coverage gaps and overpaying for insurance coverages you might not need.

Is Water Damage Covered by RV Insurance?

Water damage is covered by comprehensive coverage depending on the nature of the damage. For example, general wear and tear or a defect will usually not be covered by your policy, however, if your water damage is sudden and accidental, it is covered. Each policy is different and consulting with your insurance agent to review the specifics is the best course of action for anyone suffering a loss.

Do You Need Insurance on a 5th Wheel Camper?

Yes, all 5th wheel campers are required by law to carry liability coverage as a minimum. Additional travel trailer policies are also recommended in the event of a wreck, however, as the price to restore your camper or the property of another party can be substantial.

It is important to note that an auto insurance policy will not suffice in the event of an accident.

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769


M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed