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Texas RV Insurance

From camping and exploring to cruising the open road, the memories you make in your RV are priceless. At Lifetime Insurance, we provide more than just essential liability protection. We tailor your coverage to the adventures that lie ahead, to make sure your family, personal property, and investment are thoroughly protected.

What’s Covered?

Texas RV Insurance Coverage

RV Collision Coverage

Collision coverage pays for damage to your RV or motorhome if you’re in an accident with another vehicle. Collision also covers RV or motorhome rollovers. If you finance or lease your vehicle, collision may be required.

Liability Property Damage

If you cause an accident with your RV, this coverage helps pay for damages to another person’s vehicle or property. In most states liability coverage is required.

Liability Bodily Injury

If you cause an accident with your RV and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.

RV Comprehensive

This coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, falling objects, fire, storms, floods, and certain other natural disasters. This type of coverage is also called “other than collision,”

Uninsured or underinsured RV coverage

Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV.

Medical Payments to Others

Commonly known as Personal Injury Protection (PIP), med pay can help cover medical costs for you or passengers if your RV is involved in an accident, regardless of who’s at fault.

RV Coverage Options

Full-time RV insurance is an optional coverage that provides protection for those who use their RV as their permanent residence. Usually defined as residing in a motorhome or travel trailer for more than six months out of the year. Depending on the carrier’s policy, full-timers insurance covers against liabilities, injuries, and certain losses that occur around your RV.

This coverage can pay to replace the windshield for your RV or motorhome.

Can provide 24/7 emergency help if you need fuel, a tire change, a jumpstart or a tow. Trip interruption benefits may be included with your coverage. This will help pay for food and lodging if you’re stranded far from home due to a breakdown.

Can provide protection if an accident happens on the premises while the RV is being used as a temporary residence. 

This option can protect your audio, visual, and custom equipment not installed at the factory, but that is permanently attached to your RV. Custom equipment includes any part that modifies the appearance or performance of your RV such as an awning, a modified or custom engine, exterior tool boxes, special carpeting, custom wheels, and decorative decals.

This can protect you from losses that occur while you’re driving your RV in Mexico or transporting it between locations in Mexico. NOTE: when driving in Mexico, you must purchase liability insurance from a licensed Mexican insurance company.

Save on RV Insurance

There are multiple ways to save on an RV and Travel Trailer Insurance Policy. Find out which RV insurance discounts you qualify for and start your quote today.

There are many ways to save on an RV and Travel Trailer Insurance Policy. Find out which RV insurance discounts you qualify for – start your quote today.

RV Insurance Discounts

Bundle and Save

You can save on RV insurance when you have both an auto and RV insurance policy with the same carrier.

Multiple Policy Discounts

Save even more when you add multiple policies with the same carrier as Motorcycle, Boat, or RV coverage. 

RV Association

If you’re a member of an RV club, such as the National RV Association, you may qualify for a discount.

Theft Recovery Devices

Some carriers offer discounts for professionally-installed theft-recovery system or if you RV is equipped with an audible alarm or a disabling device.

Home Ownership Discounts

Most carriers offer a discount on your RV insurance if you own a home or condo, even if you insure it with a different carrier.

RV Safety Course

Complete an approved state RV safety course, such as those provided by the RV Safety and Education Foundation. and you could be eligible for a discount.

Safe Driver Claims Free Discount

Most carriers reward safe driving. No accidents, violations, or major comprehensive claims could save you hundreds.

Pay In Full

Receive a discount for your RV insurance by paying your entire policy premium in full when you buy or renew your policy.

Winter Storage

Save on premiums by reducing your coverage to just comprehensive when you store your RV for the winter. Then increase it when you’re ready to hit the road again.

Do you know the insurable value of your RV?

Knowing your RV’s value will help determine how much coverage you need. Sites like are a good starting point for researching your RV’s current worth. We also suggest looking at sites RV Trader like to find similarly equipped vehicles near you. You’ll want to find vehicles with similar options, mileage, and condition to get the most accurate value. A Lifetime Insurance Agent can help you determine the value and best coverage for your RV, Travel Trailer or Motorhome.


Select A Coverage

With our assistance, you determine the type and level of coverage that best fits your lifestyle and risk tolerance.


Get A Quote

We do all the heavy lifting to find you the most coverage at the best price based on your personal needs.

Get Covered

Enjoy the peace of mind that you are covered and that you have a team of professionals here when you need us!

Why Rockwall, Texas Loves Us!

Here are just a few of the real Google reviews from our clients.

Read more Google reviews here or leave us a review here.


I had no idea I could save this much over going straight to a single large carrier. I found the same or increased coverage and a better price. They answered every question I had and found the best price. Everything I needed from an insurance agent and more.

P.B. | McKinney TX


Very helpful and friendly staff. I moved all my insurance needs to Lifetime Insurance because of the savings and service. They helped me find the best coverage and price for my car, homeowners, boat, and even my golf cart insurance.

B.D. | Garland TX


Great experience Jon is always helpful, very professional puts together options and explains in detail how they differ. Their team is willing to go the extra mile to get me taken care of! Highly recommend...

M.H. | Rockwall TX


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