RV Insurance From a Local, Independent Advisor
Recreational vehicles are part vehicle and part home, and they need coverage that understands both. Trailmark compares RV insurance for Class A, B and C motorhomes, travel trailers, fifth wheels, pop-ups and toy haulers for North Texas families and retirees.
From campgrounds at Ray Roberts Lake State Park to national parks across the country, the right RV policy protects your rig, your belongings and your liability wherever the road takes you.
What RV Insurance Covers
Liability
Required for motorhomes, just like a car.
Collision and comprehensive
Covers accidents, hail, fire, theft and vandalism.
Personal effects
Protects belongings you keep inside your RV.
Vacation liability
Covers injuries at your campsite while your RV is being used as a temporary residence.
Full-timer coverage
Homeowners-style protection if you live in your RV most of the year.
Emergency expenses
Helps pay for lodging and transportation if your RV breaks down far from home.
Roadside assistance and towing
Help for large vehicles that standard roadside plans may not handle.
Total loss replacement
Options to replace a newer RV with a new model after a total loss.
Motorhomes vs. Towables
Motorized RVs need their own liability coverage, just like a car. For travel trailers and fifth wheels, liability usually extends from the vehicle towing it, but physical damage to the trailer itself typically requires its own coverage.
We'll make sure your truck and trailer policies work together with no gaps.
Ways to Save on RV Insurance
- Bundling RV, auto and home insurance
- Storage (lay-up) options when your RV isn't in use
- RV safety and driving courses
- A claims-free history
- Paid-in-full discounts
RV Insurance FAQs
Do I need separate insurance for a travel trailer?
Your auto policy may extend liability to a trailer you're towing, but it usually won't cover damage to the trailer itself or your belongings inside. A travel trailer policy fills those gaps.
What is full-timer RV insurance?
If you live in your RV for most of the year, full-timer coverage adds protection similar to a homeowners policy, including personal liability and broader personal property coverage.
Is my RV covered when it's in storage?
It can be. Many policies let you reduce coverage while your RV is stored to lower your premium, while keeping comprehensive protection against theft, hail and fire.
