Travel trailers · Hitched is not the same as parked
Many auto policies extend liability to a non-motorized trailer only while it is hitched. They do not pay to repair it.
A travel trailer has no engine. In Texas the tow vehicle still needs 30/60/25 if it is on a public road, and that liability often follows a listed car or truck while the trailer is attached. When you unhitch it, that extension usually stops. The trailer’s own body, the contents inside it, and a loss while it sits in storage are a separate policy, not a free rider on the truck. Forms differ. Read the one you have.
Physical damage on the trailer is not collision on the truck. Comprehensive-style coverage on an RV form is what responds to theft, hail, and many non-crash losses to the unit. A total loss is usually actual cash value unless the form says otherwise. Full-timers who sold the house no longer have an HO-3 sitting behind the trailer, so clothes, dishes, and liability for guests have to be on the RV policy. A weekend camper who still lives in a house may already have some contents coverage at home, and off-premises contents on an HO-3 are often capped. A storage or laid-up credit, if a carrier offers one, is that carrier’s rule. It is not a fixed percent, and it does not delete liability you still need the day you tow. A motorhome is different. It is a motor vehicle and needs its own liability.
Texas use: Texas RV insurance, whether you need it all year, and full-time RV insurance. Other states, same split between towing and the unit: Colorado travel trailers and Missouri RV. The product page: RV insurance.
Tell the quote whether the trailer is towed, lived in, or stored. Those are three different risks. Ask an agent or get a quote.
