Texas RV Comprehensive and Collision coverage pays for the cost to repairs or replacement of your RV (after all deductibles) in case it is stolen or damaged in an accident, regardless of fault.
If Your insurance company covers damages to your RV when you collide with another vehicle or object. If you hit a car, a pole or another non-living object, Collision coverage will apply and pay for damages.
If damages to your RV are caused by an incident other than an auto collision (ie fire, theft, vandalism, etc). If you hit an animal on the road, or if your RV catches on fire or is stolen, Comprehensive coverage covers your damages.
Comprehensive
& Collision
Coverage
Comprehensive Coverage
Collision Coverage
In Texas, there are three options available for RV insurance against a total loss
This is a basic policy that simply pays the actual cash value of your RV at the time of loss. Cash or market value is often the most economical choice to insure your RV in Texas. In cases where your RV is legally declared a total loss, this coverage kicks in and pays you either the lower of the actual cash value (ACV) at the time of loss, or the market value displayed on the Declarations page for the RV. Such market value figures are to be reviewed periodically to ensure they accurately reflect the current value of the RV.
Market Value
Policy
This type of policy simply pays the submitted value of your RV that you selected at the start of your policy, regardless of the current market or cash value. Agreed Value offers protection without considering depreciation for total losses. The total loss payout under Agreed Value policy is the agreed value as shown on the Declarations page of your policy. Proof of value is required for this option. This means the purchase documents for RVs purchased less than two years ago, and appraisals for RVs purchased more than two years ago.
Agreed Value
Policy
This coverage pays for replacement cost of your RV with the newest available model, however only if your RV is declared a total loss within its first five model years. In other words, Total Loss Replacement, otherwise known as Purchase Price Coverage provides you with a new, untitled RV if your RV is five model years old or newer and is considered a total loss. For RVs older than five years, the total loss payout will be the purchase price (as reflected on the Declarations) which includes the cost of all attached equipment, tax, title & license, and must be increased if other equipment is added later. This coverage is only available for new RVs, up to one model year old.
Total Loss Replacement
Cost Policy
Texas Motor-Home & RV Insurance Coverage Options
Cheap Texas Recreation Vehicle (RV) Insurance Policies
Select Love Insurance Agency’s Texas RV insurance policies cover a few different types of RV vehicles including class A, B, and C motor homes; camper vans, and motor coaches; as well as travel trailers such as pop-up trailers, campers, fifth wheels, and toy haulers. If you are looking for Texas motor home insurance, travel trailers, camper insurance, or Texas camper van insurance, then a Select Love Texas RV insurance policy is your solution. Using our various insurers and underwriters, we can insure a lot more than just your RV vehicle under such policies. With one of Select Love Insurance Agency’s recommended Texas RV policies you can easily protect whatever type of recreational vehicle you own, so that you can travel with your belongings or loved ones with total peace of mind.
If you are looking to save on Texas RV and motor home insurance policies, Select Love Insurance Agency's online quote form can do just that in just a few minutes and provide you with multiple RV insurance rate quotes from various providers. One of our agents will personally handle each and every Texas RV insurance quote rate request, thus, the information you receive using our online auto insurance quote form is far more accurate than just some preliminary and inaccurate quote rate calculator available on most other auto insurance quote or comparison websites. With us, you only have to fill out the short Texas RV insurance form once, and get the most accurate and lowest RV insurance rates available in Texas market from vetted and reputable Texas auto insurers.
Select Love Insurance Agency’s Texas RV insurance policies can protect your valuable investment in its entirety. Using our Texas RV insurance, you can select many types of coverage as listed below, including Vacation Liability, Full Timer's Coverage, Emergency Expense and many more. Our RV insurance coverage policies could also protect your traveling companions, pets, and your possessions and valuables when you're on the road.
Texas RV Insurance: Get A Fast Online Quote!
Texas RV Insurance: What Types Of Vehicles Are Covered?
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Texas RV Roadside Assistance coverage offers towing your RV to the nearest qualified repair facility and pays for all necessary labor costs
This coverage can cover trailers and vehicles being towed by a motor home, as well as vehicles towing travel trailers, even if the towing vehicle is insured with another insurance company. Offers Roadside Assistance 24/7, anywhere in the United States or Canada.
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RV Mechanical or electrical breakdown
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RV Battery failure
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Insufficient supply of fuel, oil, water or other fluids
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RV Flat tire
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RV Lockout, or lost or stolen keys.
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RV Entrapment in snow, mud, water or sand within 100 feet of the roadway
Roadside
Assistance
Coverage
Pays For
Covers
Texas RV Bodily Injury and Property Damage Liability (BI/PD) offers coverage for your legal liability in case of an accident that involves injury to another person or damage to someone else’s property, up to the limit of liability set forth in your policy.
If your individual RV insurance policy limits are 15/30/10, this means:
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No more than $15,000 would be paid per person for Bodily Injury
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No more than $30,000 would be paid per accident for Bodily Injury
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No more than $10,000 would be paid per accident for Property Damage
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Repair or replacement cost of damaged property
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Injured parties’s medical bills
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Lost wages of injured parties
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Other damages on which you have been found legally obligated to pay after an accident
Bodily Injury
& Property
Damage
Liability
Pays For
Covers
Texas Motor-Home Insurance: What's Covered?
Texas motor home insurance covers recreation vehicles that offer temporary living quarters and are permanently attached to a chassis or a van. Our Texas recreation vehicle insurance covers the following RV classes & types.
Class A Non-Professional Bus Conversion
A class A non-professional bus conversion has the following characteristics:
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The motor home facilities are built into a Greyhound-type bus shell, however, it does not include changes made to school buses, as these vehicles are unacceptable.
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Conversions are performed non-professionally by owners of the vehicles.
Class A Conventional Motor Home
A class A conventional motor home is typically identified with the following characteristics:
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Built around a designated motor vehicle frame and chassis with a single living compartment.
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21 to 45 feet long
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Passenger Capacity: Sleeps 10 people
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Aluminum, fiberglass sheet, or molded fiberglass exterior
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Wood, aluminum tube, or steel sidewall frames
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The most luxurious and expensive of all motor homes
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Fully loaded and equipped for short trips, lengthy vacations, and full-timing, these vehicles are virtual "home away from home" on wheels and on the road.
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Some of these vehicles may include washers and dryers, satellite dish, VCR, security systems, and many other luxuries and amenities.
Class A Professional Bus Conversion
A class A professional bus conversion is characterised by:
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A motor home and living quarters built into a passenger bus shell.
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Conversions are performed by professional converters such as Prevost, Marathon, and Country Coach, among others.
Class B Camper Van Insurance
A class B camper van is often identified as having the following characteristics
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They are built by the factory specifically for camping purposes with sleeping, kitchen, toilet facilities on board, as well as 110 volt power hook-up, fresh water storage and an extension roof.
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These are the most economical, versatile, and maneuverable type of motor home.
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Camper vans are narrower than most other motor homes as it uses the space within the existing van compartment.
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The length of these vans ranges from 16 to 21 feet long.
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They can sleep up 4 people.
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All amenities and travel features are installed by the RV manufacturer.
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These vans exclude conversion vans.
Class C Mini Motor Home Insurance
A Class C mini motor home is defined as:
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It is built on a van/small truck chassis with original body shell (front cab) visible.
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It usually provides a sleeping bunk over the front cab in addition to a small bedroom towards the rear. This overhead compartment doubles as a on-board storage area.
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It provides the conveniences and smaller luxuries of a larger motor home without the huge size and high price.
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Its length ranges from 20 to 28 feet.
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Can sleep up to six people.
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All features are incorporated by the RV manufacturer.
Conventional Travel Trailer Insurance
A conventional trailer is characterized as:
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They are designed specifically for vacation/camping use.
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They can range 12 to 40 feet in length.
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They are towed with a car or truck equipped with a bumper hitch.
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Come with bathing, cooking, and sleeping facilities.
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Some models have extra luxuries such as air conditioning or awnings.
Fifth Wheel Travel Trailer Insurance
A fifth-wheel trailer often has these characteristics:
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It is similar to the conventional trailer, but has a raised forward compartment above a fifth wheel coupling device.
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The length ranges from 21 to 38 feet.
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Specialty devices are typically mounted to pickup beds
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Mostly built atop a welded steel chassis.
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Often include luxuries and amenities such as a large living area, all typical living appliances, as well as bathing, cooking and sleeping facilities.
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Texas Travel Trailer Insurance: Which Trailer Types Are Covered?
Texas travel trailer insurance cover non-motorized, portable units designed to provide living quarters for recreational and camping use. Such travel trailers do not require special highway permits for towing. These travel trailers include:
Pop-up Tent Travel Trailer Insurance
These are the typical characteristics of a pop-up tent trailer:
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It has built-in collapsible sidewalls that either fold or slide down for easy towing lighter vehicles.
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It is often less than 12 feet long
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It typically ranges from 15 to 23 feet long.
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It is usually very basic with few luxuries to spare.
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Larger units may contain appliances such as a refrigerator, a stove and/or furnace, and could sleep up to eight people.
Recreational Cargo Trailer Insurance
A trailer with recreational cargo quarters is often identified as:
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Specialty built travel trailers or fifth-wheel trailers for particular use.
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Often have a special compartment in the back to transport horses, ATVs, motorcycles, cattle, livestock, cargo, etc.
Texas Mounted Truck Camper Insurance
Texas travel trailer insurance cover non-motorized, portable units designed to provide living quarters for recreational and camping use. Such travel trailers do not require special highway permits for towing. These travel trailers include:
Mounted Truck Camper Insurance
Mounted truck campers:
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Are considered temporary vacation camping units that are loaded onto a pickup truck bed each time before use.
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Can range from 18 to 21 feet in length
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Can sleep up to six people.
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Are often the easier, more economical way for many RVing beginners
These coverages can help protect you and your RV if you are hit by an uninsured driver, or if you get into an accident with a driver who doesn't have adequate insurance. These policies include:
Uninsured
& Underinsured
Motorist
Coverage
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Texas RV insurance - Uninsured Motorist Bodily Injury: If in an accident the person at fault for the accident does not have liability insurance, this can pay for damages when a covered person is injured.
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Texas RV Insurance - Underinsured Motorist Bodily Injury: This coverage pays for damages when a covered person is injured and the person at fault for the accident does not have adequate liability insurance.
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Texas RV Insurance - Uninsured/Underinsured Motorist Property Damage: This coverage pays for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or lacks enough liability insurance to cover all the incurred damages.
Pays For
Medical Payments (MedPay) coverage offers coverage for the cost of all necessary medical care you receive as a result of an RV accident.
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MedPay could be used regardless of who is at fault. MedPay is often limited to medical treatments within the first three years after such an accident, and is always limited to a specific dollar amount set forth in the policy.
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All medical treatment and therapy expenses arising from an RV accident.
Medical
Payments
(MedPay)
Coverage
Pays For
Covers
A $750 of Emergency Expense coverage is automatically included when you have Comprehensive and Collision coverage in Texas for your RV. This coverage applies to both pleasure users and primary residence users.
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Emergency Expense coverage pays up to specified limits for reasonable temporary living facilities, transportation expenses and the cost of returning the RV when and if the RV becomes disabled due to a covered loss farther than 50 miles away from the insured's primary residence. Pleasure users may also purchase additional coverage in Texas for up to $2,000.
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For primary residence RV owners, this Emergency Expense coverage can pay up to the specified limits for reasonable temporary living facilities and transportation expenses if the vehicle is disabled due to a covered loss. They can purchase additional coverage for, up to $7,500.
Emergency
Expense
Coverage
Pays For
Using a Texas RV Insurance - Comprehensive and Collision coverage, Pet Injury coverage is included at no extra charge.
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This coverage will pay up to $1,000 for veterinarian and pet medical bills in case of a fire, accident, theft, or other unexpected incident.
Pet
Injury
Coverage
Pays For
If you can use Comprehensive or Collision coverage, you can use Pet Injury coverage for pets you or your relatives have inside of your RV while you travel. No further costs will be assessed if you choose to use this coverage. It is just one more way for us to protect what matters most to you, your family members, four legged or two.
Covers
Replacement Cost Personal Effects coverage is available when Texas Comprehensive coverage is purchased.
This coverage pays up to specified replacement cost limits for lost or damaged RV contents that are normally used in conjunction with the RV. These include clothing; cameras and equipment used with cameras; portable radios and CD players; as well as travel tickets, passports, and manuscripts.
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Certain lost or damaged items outside the RV are covered, up to 25 percent of the Replacement Cost Personal Effects limit purchased.
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Additional coverage can be purchased for up to $99,000. A $100 deductible is mostly associated with such a coverage.
Replacement
Cost
Personal
Effects
Pays For
Covers
Texas RV Insurance - Full Timer's coverage is similar to a homeowners policy and is required for those who use their RVs as their primary residences.
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Full Timer's Personal Liability Can pay up to specific limits for bodily injuries and property damages for which the insured persons are legally responsible because of an accident. In Texas, typically up to $500,000 CSL coverage is available for RVs.
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Full Timer's Medical Payments To Others pays up to $50,000 for medical expenses of other persons who are injured because of an accident while on the property occupied by the RV that is used as a primary residence.
Full
Timer's
Coverage
A Texas Full Timer's Coverage Offers:
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Full Timer's Loss Assessment can pay up to $5,000 for certain assessments charged to the full timer while he or she owns or is a tenant of property.
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Storage Shed Contents can pay up to $5,000 for contents of a shed owned, leased, or rented by the insured person at the time of loss.
TX RV Insurance - Comprehensive and Collision coverage includes up to $10,000 of Vacation Liability coverage automatically, except on Full Timer's policies.
Vacation Liability pays up to the specific limits for Bodily Injury and Property Damage for which you are legally responsible as a result of an accident that has occurred when your RV was being used as a temporary vacation residence.
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You may purchase up to $500,000 CSL for Vacation Liability coverage. This coverage is only available for and applicable to pleasure users.
Vacation
Liability
Pays For
Covers
Most Texas RV Comprehensive and Collision coverages automatically include up to $2,500 of Texas Trailer insurance coverage.
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This coverage pays for any physical damage to utility trailers towed by the insured motor home. Additional trailer coverage is always available as needed.
Trailer
Insurance
Coverage
Pays For
TX RV Insurance: Motor-Home vs. Travel Trailer vs. Camper Van
Texas RV Fire Department Service Charge coverage is automatically included with most Comprehensive and Collision coverages.
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This Fire Department Service Charge coverage can pay up to $1,000 in fire department charges when a fire department is sent to rescue an insured RV. The insured person shall remain liable for the loss so that this coverage applies.
Fire
Department
Service
Charge
Pays For
Mexico Physical Damage coverage is included with most Texas RV Insurance - Comprehensive and Collision coverages. This Mexico Physical Damage coverage automatically extends the Physical Damage portion of your Texas RV insurance policy to cover losses while in Mexico. However, you may only use this coverage if you have purchased a Mexican Liability policy.
Mexico Physical Damage
Should such a loss occur, the RV should be towed back to the nearest qualified repair facility in the United States for repairs for this coverage to pay. Mexican Liability coverage must be purchased from a licensed Mexican insurance company for this coverage to apply. Most US policies do not offer this coverage at all, neither directly nor in partnership with Mexican insurance companies.