Presley Insurance Group
RV & Motorhome Insurance for Texas Travelers
Presley Insurance Group helps Texas RV owners protect their motorhomes, travel trailers, fifth wheels, and camper vans with insurance designed for real-world road trips, weekend camping, and longer adventures.
RV & Motorhome Insurance Texas Owners Can Rely On
Whether your RV is your vacation home, your weekend escape, or your full-time residence, it represents a major investment in how you live and travel. RV and motorhome insurance helps you handle the financial side if something goes wrong—like accidents on the road, storm damage at a campsite, theft, or injuries involving guests.
Based in the Dallas-Fort Worth area and serving RV owners across Austin, San Antonio, Central Texas, and West Texas, Presley Insurance Group is an independent insurance agency in Texas that shops multiple carriers for you. We explain coverage in plain language and help you choose liability limits, physical damage options, personal effects coverage, and deductibles that fit your rig, your travel style, and your budget. Whether you’re towing a trailer a few weekends a year or living on the road, you get clear options and a local team ready to help at renewal and at claim time.
Texas RV & Motorhome Insurance Coverage Options
Liability Coverage on the Road and at the Campsite
Liability coverage helps protect you if you’re found responsible for injuries to others or damage to their property while using your RV or motorhome. That can include accidents on the road, mishaps while parking, or incidents at a campsite. We’ll look at your travel habits, guest load, and driving patterns to recommend liability limits that reflect your assets and comfort level—not just the minimums.
Coverage for Travel Trailers & Towable RVs
Travel trailers and fifth wheels are insured differently than drivable motorhomes. While your auto policy may provide some liability while towing, separate coverage is often needed to protect the trailer itself and the belongings inside. We’ll explain how your tow vehicle and trailer policies work together and set limits that reflect what it would cost to repair or replace your towable RV.
Vacation Liability & Campsite Risks
Vacation liability coverage can help if someone is injured at your campsite or if you accidentally cause certain types of property damage while your RV is parked and being used as a temporary residence. We’ll talk about where you typically camp, whether you host guests, and what kinds of activities you enjoy so we can recommend limits that make sense.
Comprehensive & Collision Coverage for Your Rig
Comprehensive and collision coverage help pay to repair or replace your RV if it’s damaged by a covered loss—such as a collision, theft, vandalism, fire, hail, or certain animal-related incidents. We consider your RV’s age, type, and value, as well as any loans or leases, to help you choose the right coverage structure and deductibles without over- or underinsuring your rig.
Personal Effects & Camping Gear Coverage
Many RVers travel with a lot of personal property—furniture, electronics, kitchen gear, outdoor equipment, and more. We can help structure coverage for personal effects and camping gear so that if a covered loss occurs, your belongings are included in the recovery, not just the RV itself. For higher-value items, we’ll discuss when it makes sense to schedule them separately.
Full-Timer or Extended-Use Coverage
If you spend significant time in your RV—seasonally or full-time—your needs may be different from someone who uses their rig a few weekends a year. Some carriers offer special coverage for “full-timers” that can function more like a homeowners policy, with broader liability and personal property protection. We’ll ask how many days a year you’re on the road and whether your RV is your primary residence so we can match coverage to reality.
Roadside Assistance & Towing Options
RVs and motorhomes often require specialized towing and roadside help. Many carriers offer optional roadside assistance tailored to RVs, including towing to appropriate repair facilities, jump-starts, tire changes, and certain lockout services. We’ll review what’s available and how it coordinates with any memberships you already have so you’re not paying twice for the same benefit.
RV Insurance Built Around Texas Roads & Campgrounds
RV life in Texas can mean navigating busy highways around Dallas-Fort Worth, winding roads near Austin and San Antonio, or long stretches of open highway through Central and West Texas before you ever reach a campsite. Heat, storms, hail, and long towing distances can all influence your risk and coverage needs. We factor in where you travel, where you store your RV, and how far you roam when we recommend coverage and carriers.
Our local insight helps you:
- Understand how Texas storms, hail, and extreme temperatures can affect RV coverage and deductibles
- Choose liability limits that reflect highway travel, guest use, and campground exposure
- Decide how to insure older versus newer RVs, including when to consider agreed value coverage
- Coordinate RV insurance with your home, auto, and umbrella policies for a more complete protection plan
- Adjust coverage if you transition from occasional trips to seasonal or full-time RV living
Smart Ways Texas RV Owners May Save on RV & Motorhome Insurance
RV insurance in Texas can be tailored to how often you travel, where you go, and how your rig is used. While discounts vary by carrier and eligibility, we look for practical ways to help you protect your RV and your finances at the same time.
- Home and auto insurance bundles that include your RV or motorhome
- Multi-vehicle discounts if you insure your RV, tow vehicle, and other toys with the same carrier
- Savings for safe driving histories and claims-free RV use
- Possible discounts for completing approved RV or defensive driving courses
- Credits for secure storage, such as covered facilities or locked, gated locations
- Options to adjust deductibles thoughtfully based on the age and value of your RV
We’ll compare options from multiple carriers side by side so you see more than just a premium number—you’ll see how each choice affects your protection on the road, at the campsite, and in storage. Our goal is to help you feel confident that your RV and motorhome insurance matches the way you actually travel in Texas and beyond.
Frequently Asked Questions
Is RV insurance required in Texas?
If your RV is drivable—like a Class A, B, or C motorhome—Texas typically requires you to carry at least the state minimum liability coverage, similar to a car. Towable RVs, like travel trailers and fifth wheels, may rely on the liability coverage from the tow vehicle while being pulled, but often need their own policy for physical damage and broader protection. We’ll explain what’s required and what’s simply smart to have based on your rig.
Does my auto insurance cover my travel trailer or fifth wheel?
Your auto policy may extend some liability coverage when you’re towing a trailer, but it usually doesn’t cover physical damage to the trailer itself or the belongings inside it. That’s where a separate RV or trailer policy comes in. We’ll break down how your auto and RV policies interact so you’re not assuming coverage that isn’t really there.
How much RV insurance do I really need?
The right amount depends on your RV’s value, how often and how far you travel, whether you store it at home or in a facility, and whether you’re a weekend camper or a full-timer. We typically start with liability limits that reflect your assets and risk, then build in comprehensive, collision, personal effects, and vacation liability coverage as appropriate. Together, we’ll tailor a package that feels like a comfortable balance between protection and cost.
Are my personal belongings inside the RV covered?
Many RV policies offer some coverage for personal effects, but limits and definitions can vary. Sometimes belongings may be covered under a homeowners or renters policy instead, depending on how the RV is used and stored. We’ll review what you travel with—clothing, electronics, gear, décor—and make sure your combined policies provide the level of protection you expect.
What if I live in my RV full time?
If your RV is your primary residence, you may need coverage designed specifically for full-time use. Full-timer RV coverage can provide broader liability and personal property protection, somewhat similar to a homeowners policy. We’ll ask about your living situation, mailing address, and travel patterns, then match you with carriers and coverages that understand full-time RV living rather than treating your rig as an occasional-use toy.
Do I need RV insurance if my motorhome or trailer is in storage?
Even in storage, your RV can be exposed to risks like theft, vandalism, fire, or storm damage. While you might not need the same liability coverage as when you’re on the road, physical damage protection is still important. We’ll discuss where and how you store your RV and explore coverage options that protect it year-round, whether you’re traveling or parked.