RV/trailer insurance

RV/Trailer Insurance

Your RV or trailer is more than just a vehicle—it's your home on wheels for weekend trips to Palo Duro Canyon, summer travels across Texas, or extended stays at campgrounds. Standard auto insurance doesn't adequately cover RVs, and homeowners policies provide minimal coverage for trailers. Specialized RV insurance protects your investment whether you're on the road, parked at a campsite, or stored at your property between trips.

Coverage typically includes collision and comprehensive protection for the vehicle itself, liability coverage for accidents, and coverage for your personal belongings inside the RV. If you're involved in an accident while driving your RV, your policy covers damage to your vehicle and liability for damage you cause to others. Comprehensive coverage protects against theft, vandalism, fire, and weather damage, which matters when your RV sits parked for extended periods.

Emergency expense coverage helps pay for temporary housing and transportation if your RV breaks down far from home or is damaged in an accident while you're traveling. This coverage is particularly valuable when you're hundreds of miles from Lubbock and need somewhere to stay while your RV is being repaired. Total loss replacement coverage ensures you can buy a comparable RV if yours is totaled, rather than receiving a depreciated payout that won't cover a replacement.

West Texas weather poses specific risks for RVs, from hail damage to wind that can cause problems when your RV is parked. Full-timer coverage is available if you live in your RV full-time, providing more comprehensive protection similar to homeowners insurance. We help you find policies that match your usage pattern, whether you're weekend warriors, seasonal travelers, or full-time RV residents. The right coverage protects your investment and ensures you can get back on the road quickly after problems arise.