Texas RV Insurance: What You Need to Know

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A recreational vehicle, abbreviated as RV, is a motor vehicle or trailer which includes living accommodations designed for housing. If you love to travel you might consider exchanging your house or apartment for a home on wheels.

Owning an RV can come with possible risks, and these risks can occur whether you’re on the road or simply parked in a campsite.

RV insurance usually covers the same occurrences as auto insurance, like damages experienced through an accident or natural phenomenon, fire, falling objects, and water damage. It also protects you from an accident with people who don’t have insurance.

Is RV Insurance Mandatory?

Like auto insurance, coverage for your recreational vehicle is mandatory. Texas requires uninsured or underinsured insurance, and every state requires minimum liability coverage if the vehicle is driven on the road. Insurance isn’t optional for RVs unless you live in a state that doesn’t require RV insurance.

What Qualifies as a Recreational Vehicle?

Recreational vehicles are not all the same. As a matter of fact, there are several types, or classes, of RVs available to rent or buy. 

Motorhome or an RV, What’s the Difference?

The term RV and motorhome are frequently used interchangeably. However, RV is an umbrella term for several different types of vehicles, including motorhomes. Types of RVs are broken down into four classes: Class A, Class B, Class C, and towable RVs.

Class A RV

Are often known as motorhomes. They are the largest type of RV, with the most characteristics, and are also the priciest. Class A RVs often look like a large bus and are usually accessible through a main side door.

Class B

Class B RVs are occasionally called campervans. These RVs have a much smaller and often less extravagant interior than Class A, and are also much easier to drive. Class B RVs commonly have a raised roof and are accessible through a sliding side door, much like a van. 

Class C 

Class C RVs are built on a truck or van frame, and have a conventional truck cabin where the driver sits. They also have a raised roof which spreads over the cab and is used for sleeping or storing. Class C RVs are usually slightly spacious inside than a Class B campervan.

If you own or lease a class A, class B, or class C RV, you will need to hold a minimum amount of insurance to legally drive it. 

How Much RV Insurance Costs?

The cost of RV insurance differs generally depending on the vehicle, the insurer and where you live. A standard policy can run about $100 per year for a pop-up camper or more than $1,500 for a luxury motorhome.

Consumers can get other discounts if they pay the entire annual premium at once and have a clean driving record with no accidents or tickets as well as having other policies insured with the same company.