Is RV Insurance Necessary in Texas?

RVs are now a very popular purchase in Austin, TX and across the state in general. Many people of all ages are finding that this type of vehicle offers a lot more options when it comes to traveling than traditional modes of transportation, but there remains some confusion over applicable insurance laws. So is RV Insurance required in Texas? The truth is a little complicated. RVs that are driven by themselves will need their own insurance policy, but those that are attachments to other vehicles can often be covered under that vehicle’s policy (albeit usually through an attachment or extension). If the vehicle is being leased or financed, the dealership or rental company will usually require full insurance coverage to protect what is still legally theirs, but if you are the owner, you will at the very least need to be able to cover damages inflicted to others in the event of an accident. 

Do You Own an ‘RV’? 

It can sometimes be confusing as to what is defined as an “RV”, especially if you do not own a traditional-looking one. In the legal sense, the term “recreational vehicle” actually covers a rather wide range of vehicles and vehicle components that usually have some type of living quarters. This includes (but may not be limited to) trailers, motorhomes, caravans, truck campers, pop-up campers and fifth-wheel trailers. If you’re still unclear as to whether or not your vehicle needs to be covered with RV insurance, the experts at Southwest Insurance Center can help. 

Taking the Next Step

Southwest Insurance Center serves Austin, TX and surrounding areas. To expedite the insurance process, it is wise to have your driving history on hand, as well as an idea of where you might be driving your RV. When you’re ready, please feel free to contact us to learn more about how you can protect yourself and your RV before you embark on that next great adventure.