Hitting the Open Road? Make Sure Your RV Insurance Has You Covered

Central Texas is perfect for RV adventures—whether you’re heading out to Inks Lake for a weekend getaway or planning a cross-country road trip. But before you hit the road, let’s talk RV insurance. Because your home-on-wheels isn’t just another vehicle—it’s a unique blend of car, condo, and campsite. And it needs coverage to match.

Wait… Doesn’t My Auto Policy Cover My RV?

Not quite. While you might be able to add a small trailer or pop-up camper to your auto policy, most RVs need specialized insurance. Why? Because RVs are larger, more expensive to repair, and often contain personal belongings (and even appliances!) that your regular auto policy won’t touch.

What Does RV Insurance Cover?

RV insurance typically includes a mix of standard auto protections and RV-specific coverages:

• Liability Coverage – Pays for injuries or property damage if you’re at fault in an accident.
• Collision Coverage – Covers damage to your RV if you collide with another vehicle or object.
• Comprehensive Coverage – Handles non-collision mishaps like hailstorms, theft, or falling tree branches (a real concern with Texas storms!).
• Personal Belongings Coverage – Protects items inside your RV—think electronics, camping gear, or that espresso machine you just had to have.
• Vacation Liability – Covers injuries that happen in or around your parked RV when it’s being used as a temporary residence.
• Emergency Expenses – Helps pay for lodging or travel if your RV breaks down far from home.

Full-Timers vs. Weekend Warriors

Do you live in your RV full-time? Or are you a weekend explorer? Your insurance needs will vary:

• Full-Timer Coverage is more like homeowners insurance, offering broader liability and property protection.
• Part-Time or Recreational Coverage is more flexible and budget-friendly for occasional use.

Pro Tip: Don’t Forget About Towing & Roadside Assistance

RV-specific roadside assistance can be a game-changer—especially when you’re stuck with a flat in Hill Country or your engine gives out on I-35. Standard auto roadside plans might not cover the size or weight of your RV.

Ready to Roll?

At Dowd Insurance Agency, we help Austin-area RV lovers protect their home-on-wheels with customized coverage. Whether you camp locally or trek cross-country, we’ll help you find the right policy for your adventures.

Let’s make sure your next RV trip is smooth, safe, and stress-free.
👉 Contact us today for a free RV insurance quote!