Can I Add RV Coverage to My Homeowners Policy?

Posted on by agentinsure

Driving an RV is one of the best ways to tour the great state of Texas. Thousands of Texans and visitors use their RVs to travel throughout the Lone Star State and beyond! If you’re a homeowner in Texas, your insurance representative at Southwest Insurance Center serving Austin, TX, wants you to understand how best to insure your RV, including whether or not you can add RV coverage to your homeowner’s policy.

Homeowners Insurance and RV Coverage

If you’re not driving your RV and keep it at your house, your homeowner’s insurance may offer some limited protection. It’s likely to be quite limited, though, covering things like theft or damage caused by fire or weather events. But you want to be able to hit the road whenever you want, right? Homeowners’ policies won’t cover liability or damages while the RV is in use, so you’ll need a separate policy for that.

Why RV Insurance Is Necessary

RVs function as both vehicles and living spaces, requiring a combination of auto and homeowners-style coverage. A dedicated RV insurance policy typically include the followings:

  • Liability Coverage – Protects against bodily injury and property damage while driving the RV.
  • Comprehensive and Collision Coverage – This covers damages from accidents, theft, vandalism, or natural disasters.
  • Personal Belongings Coverage – Protects the contents inside the RV, similar to homeowners insurance.
  • Full-Timer’s Coverage – Designed for those who live in their RV full-time, providing additional liability and personal property protection.

While homeowners insurance may offer minimal coverage for an RV when parked on the property, it doesn’t provide full protection. A separate RV insurance policy is necessary to cover liability, accidents, and personal belongings. Reviewing options with an insurance provider like Southwest Insurance Center serving Austin, TX, can help you get the right coverage for occasional trips or full-time living.