Enjoy every journey with the right insurance!
Richey Insurance Agency helps you find the ideal coverage, so you can enjoy every journey with confidence.
Give us a call today!
We have access to 100+ leading carriers in Texas to find the best insurance for your RV.
“Richey Insurance Agency works for you, not just one insurance agency!”
State law requires all motorized RVs to carry at least:
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $25,000 |
These limits cover liability but won’t protect against theft, storm damage, or accidents involving uninsured drivers. Additional coverage is worth considering, especially for frequent travelers.
Texas roads and weather bring unique challenges. A policy designed for RV owners provides coverage where it counts most.
Severe Weather – Texas storms bring hail, floods, and hurricanes, all of which can cause costly damage.
Accidents on the Road – Highways, long travel distances, and distracted drivers increase the risk of collisions.
Theft & Vandalism – An RV is a valuable asset. The right coverage helps recover losses if it’s stolen or damaged.
Insurance rates depend on multiple factors. Here’s what influences the price:
Vehicle Value – Newer, high-end RVs generally require higher coverage levels.
Usage & Location – Full-time RV living often leads to higher premiums compared to seasonal use.
Driving History – A clean record leads to better rates, while past violations may raise costs.
Coverage Choices – Higher deductibles reduce monthly costs but increase out-of-pocket expenses for claims.
A standard homeowners policy may offer limited protection if the RV is parked on private property. However, this usually excludes damage from accidents, theft, or while the RV is on the road. Dedicated RV insurance provides broader protection.
Liability coverage typically follows a trailer when hitched to a covered vehicle. However, physical damage, theft, or other direct losses won’t be included. Separate coverage is needed for full protection.
Policies typically exclude routine maintenance, wear and tear, and mold damage. Any damage from neglect or failure to perform necessary upkeep is the owner’s responsibility.
It depends on the cause. Sudden and unexpected water damage may be covered under comprehensive policies, but gradual leaks, mold, or rot from lack of maintenance are usually excluded. Checking policy details is recommended.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
