Recreational Vehicle Coverage

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Protect the Adventures You Worked Hard to Enjoy

Boats, motorhomes, travel trailers and campers bring freedom, family time and memorable Texas adventures. They also create risks that may not be fully addressed by a standard auto or homeowners policy. Troy Dunn Insurance Group can help you compare recreational vehicle insurance options based on what you own, how you use it and where you travel.

Coverage features and availability vary by vehicle, watercraft, use and insurance company. We will ask the right questions, explain the options in plain language and help you request a quote that reflects your situation.

Motorhomes & Campers

Explore protection for drivable motorhomes, truck campers and other self-propelled recreational vehicles.

Travel Trailers & Fifth Wheels

Compare options for the trailer itself, belongings inside and risks that arise while traveling or parked.

Boats & Personal Watercraft

Discuss coverage for the watercraft, equipment, liability, medical payments and other boating exposures.

Other Recreational Vehicles

Ask about available options for ATVs, utility vehicles and other recreational equipment you use for fun.

Coverage Options to Discuss

  • Liability: May help with covered injuries or property damage for which you are legally responsible.
  • Collision and comprehensive: May help repair or replace covered property after a collision, theft, fire, weather event or other covered loss.
  • Personal belongings and equipment: Can address certain contents, accessories and equipment carried in or used with the boat or RV.
  • Roadside, towing and emergency expenses: Optional features may be available for breakdowns, towing or temporary lodging.
  • Full-time RV considerations: People who use an RV as a primary residence may need broader personal property and liability protection.

Deductibles, limits, exclusions and available endorsements differ by policy. We will help you review the details before you choose coverage.

Recreational Vehicle Coverage Questions

What kinds of recreational vehicles can be insured?

Coverage may be available for motorhomes, travel trailers, fifth wheels, campers, boats, personal watercraft, ATVs and other recreational vehicles. Available options vary by vehicle and insurer.

Does my auto or homeowners policy already cover my boat or RV?

Auto and homeowners policies may provide limited protection in certain situations, but they might not cover the recreational vehicle itself, its contents or all liability risks. An agent can review your existing policies and identify possible gaps.

Do I need different coverage if I live in my RV full time?

Full-time RV use can create additional personal property and liability needs. Tell your agent how often you use the RV and whether it is your primary residence so appropriate options can be discussed.

What information is needed for a boat or RV insurance quote?

Be ready to share the vehicle or watercraft type, year, make, model, value, storage location, intended use, operator information and the coverage features you want to compare.

For additional consumer guidance, review the Texas Department of Insurance resources about RV insurance coverage and boat insurance.

Ready to Protect Your Boat or RV?

Call (682) 841-1243 or tell us about your recreational vehicle to begin comparing available options.

Request Free Quote