What We Cover
Your RV is more than a vehicle — it’s a home on wheels. Whether you own a $50,000 travel trailer for weekend camping or a $500,000 Class A diesel pusher for cross-country travel, your RV represents a significant investment that standard auto insurance was never designed to protect. RV insurance covers the unique risks of recreational vehicles, including the living quarters, personal belongings inside, and the specialized equipment that makes your RV a home.
Collin County Insurance Group writes RV insurance for every type of recreational vehicle, from pop-up campers to luxury coaches. We shop across multiple carriers — including specialty RV insurers — to find the right coverage at competitive rates.
Types of RVs We Insure
We cover every class and type of recreational vehicle on the road:
- Class A motorhomes — large diesel or gas coaches, typically 26–45 feet, valued at $100,000–$500,000+
- Class B camper vans — Sprinter vans, Transit conversions, and compact motorhomes for couples and solo travelers
- Class C motorhomes — mid-size units built on truck or van chassis, popular with families
- Fifth wheel trailers — large towable units requiring a pickup with a fifth-wheel hitch, often used by full-timers
- Travel trailers — towable units from 15–35 feet, the most common RV type in Texas
- Pop-up / folding campers — lightweight, affordable camping trailers
- Toy haulers — combination living space and garage for ATVs, motorcycles, or other recreational equipment
What We Cover
Liability Coverage pays for injuries and property damage you cause to others while operating your RV. Just like auto insurance, Texas requires minimum liability limits — but given the size and weight of motorhomes, we recommend significantly higher limits. A Class A motorhome can weigh 30,000+ pounds, and accidents involving vehicles that large produce severe damage and injuries.
Collision & Comprehensive covers physical damage to your RV from accidents, theft, vandalism, hail, fire, and other covered perils. We recommend agreed-value policies for newer and higher-value RVs — agreed value means you and the carrier agree on your RV’s worth upfront, so there’s no depreciation fight if it’s totaled. For a $200,000 coach, the difference between agreed value and actual cash value can be tens of thousands of dollars.
Full-Timer Coverage transforms your RV policy into the equivalent of a homeowners policy when you live in your RV full-time. Standard RV policies assume you have a separate primary residence. Full-timer coverage adds personal liability, medical payments to others, and higher personal effects limits — the same protections you’d get from a homeowners policy, but tailored for life on the road.
Vacation Liability covers personal liability claims while you’re camping or parked at an RV site — if someone trips over your power cord or your awning damages a neighboring RV, vacation liability responds. This coverage fills the gap between auto liability (which covers you while driving) and the campsite incidents that happen when you’re parked and set up.
Personal Effects / Contents covers your belongings inside the RV — clothing, electronics, cooking equipment, bedding, outdoor gear, and everything you bring along. Standard limits are often $3,000–$5,000, but full-timers and long-distance travelers may need significantly higher limits to cover everything they carry.
Emergency Expense covers hotel stays, meals, and transportation costs when a covered breakdown or accident leaves your RV undrivable while traveling. If your motorhome breaks down 500 miles from home, emergency expense coverage pays for a hotel and meals while repairs are completed — expenses that add up fast when you’re stranded.
Towing & Roadside Assistance is essential for any motorhome or large trailer. Towing a Class A motorhome to the nearest repair facility can cost $1,000 or more. Roadside assistance covers towing, tire service, fuel delivery, lockout, and battery service.
Attached Accessories covers awnings, satellite dishes, solar panels, leveling systems, bike racks, and other equipment permanently attached to your RV. These accessories can add $5,000–$15,000 to your RV’s value and aren’t always fully covered under standard physical damage.
Full-Timer vs Recreational Use
How you use your RV determines what coverage you need:
Recreational users — you have a permanent home and use your RV for vacations, weekends, and occasional travel. A standard RV policy with vacation liability and personal effects coverage is typically sufficient. Your homeowners insurance covers your primary residence and most personal belongings there.
Full-timers — your RV is your primary residence, and you may not own or rent a separate home. You need full-timer coverage that replaces your homeowners policy, including comprehensive personal liability, higher contents limits, and medical payments to others. Without full-timer coverage, you have a significant gap in personal liability protection.
Seasonal/extended travelers — you spend several months per year in your RV but maintain a home base. Depending on your travel patterns, you may need a hybrid approach with both a homeowners policy and enhanced RV coverage.
Why Choose Collin County Insurance Group
RV insurance is a specialty product, and pricing varies dramatically between carriers. A standard auto insurer might quote your Class A motorhome at twice the price of a carrier that specializes in recreational vehicles. Tony Nichols shops across both standard carriers and RV-specialty markets — including carriers that offer agreed-value policies, full-timer packages, and accessory coverage that generic policies don’t match.
We also help you coordinate your RV coverage with your auto and homeowners policies to eliminate gaps and take advantage of multi-policy discounts. Whether you’re a weekend camper or a full-time road warrior, we’ll find the right coverage for how you actually use your RV.
Ready to protect your home on wheels? Contact us for a free quote today.
