INSURANCE · TEXAS
RV Insurance
Motorhomes, travel trailers and fifth wheels. Get coverage built for life on the road, not just a car policy stretched thin.
What it covers
Liability
Required for motorhomes you drive. Covers injuries and damage you cause to others.
Collision and comprehensive
Covers your RV for crashes, theft, hail, fire and more.
Personal belongings
Optional coverage for the things you carry inside the RV.
Full-timer coverage
For people who live in their RV, some policies add home-style liability.
Roadside and towing
Large-vehicle roadside help, offered by some carriers.
Who needs it in Texas
- A motorhome you drive on Texas roads must carry at least 30/60/25 liability, like any vehicle (TDI).
- Travel trailers and fifth wheels are usually covered for liability by the vehicle towing them, but damage to the trailer itself needs its own coverage.
- Lenders usually require collision and comprehensive on a financed RV.
- If you live in your RV full time, tell your agent. A standard policy may not be enough.
Common questions
Do I need RV insurance in Texas?
If you drive a motorhome, yes. It needs at least the state minimum liability. Towable RVs depend on your tow vehicle policy and your lender.
Does my auto policy cover my travel trailer?
Your auto policy may extend liability while towing, but it usually does not pay for damage to the trailer. A separate RV or trailer policy covers that.
What if I live in my RV?
Ask about full-timer coverage, which can add liability and protection more like a homeowners policy.
Are my belongings inside covered?
Only if your policy includes personal effects coverage. We can add it to your quote.
How AVYRO helps
- Tell us what you need to cover, by phone or online.
- We compare options from our appointed carriers.
- You pick the coverage, and we handle the paperwork.
Carriers we work with
Availability depends on the carrier, your location and underwriting. We will tell you which carriers can quote you.
Sources: TDI: Auto insurance guide
AVYRO Insurance & Tax is a licensed Texas insurance agency (TX Lic #3366212), not an insurance company. Coverage, rates and eligibility are set by the issuing carrier and are subject to underwriting. Quotes are estimates until a policy is issued. Not all carriers or products are available in all areas. This page is general information and does not change any policy terms; your policy controls. Rules can change, so check the sources above. Not legal advice. We never ask for your Social Security or driver’s license number through this site.
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