Texas · A motorhome is a motor vehicle. A trailer is not.
A motorhome on a Texas road needs its own liability, at least 30/60/25. A travel trailer is not a motorhome. Many auto policies extend liability to a non-motorized trailer only while it is hitched, and they do not pay to repair it.
Class A, B, and C motorhomes are motor vehicles. The Texas floor is $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage, on a policy that actually lists the coach. Personal auto on the sedan does not imply the motorhome. Collision pays a crash. Comprehensive pays theft, hail, flood to the vehicle, vandalism, and many animal strikes. Deductibles are separate. A total loss is usually actual cash value unless a stated-amount endorsement says otherwise. A travel trailer or fifth-wheel has no engine. While it is hitched to a listed tow vehicle, that auto policy often extends liability only. When it is unhitched, that extension often stops. Repair of the trailer is a trailer policy, not the car’s collision. Forms differ.
Living in it: full-time RV insurance. Why storage does not cancel the policy: year-round. The trailer by itself: travel trailers. The two physical-damage coverages: comprehensive versus collision. A house on a chassis is a different form: manufactured homes. The liability that sits above, only if the RV is underneath: umbrella.
