Texas RV Insurance Requirements

For motorized RVs (Class A, B, or C), you must carry at least the following 30/60/25 liability coverage to legally operate on public roads: 

Roamly +2

• $30,000 for bodily injury per person.
• $60,000 for bodily injury per accident.
• $25,000 for property damage per accident. 

Texas law also requires insurers to offer at least $2,500 in Personal Injury Protection (PIP), though many specialized RV policies offer higher limits. 

Motorhomes vs. Towable Trailers

• Motorhomes (Self-Propelled): Legally required to have liability insurance. If the vehicle is financed, lenders typically mandate Collision and Comprehensive coverage through the Texas Department of Insurance.
• Towable RVs (Travel Trailers/Fifth Wheels): Not legally required to have separate insurance in Texas. Your tow vehicle's liability insurance often extends to the trailer while it is attached, but this does not cover damage to the trailer itself or its contents. 

Recommended Specialized Coverage

Because RVs act as both a vehicle and a home, standard auto policies often leave gaps. Consider these Texas-specific additions: 

• Comprehensive Coverage: Highly recommended due to high hail damage risks in Texas; this covers non-collision events like fire, theft, and storm damage.
• Vacation Liability: Covers accidents that happen at your campsite when the RV is parked and being used as a residence.
• Full-Timer's Coverage: Essential if you live in your RV year-round, providing combined personal liability and property protection similar to a homeowners policy.
• Personal Effects Coverage: Protects the belongings inside your RV, such as gear and electronics, which are often not covered by standard vehicle policies.