Full-Time RV Living: What Kind of Insurance Do You Really Need?

Embracing full-time RV living in Texas offers freedom and adventure, but it also brings unique insurance needs that differ from traditional auto or homeowners policies. At Smaistrla Insurance Agency, we understand the lifestyle of Texas RVers and are here to help you navigate the right coverage for your home on wheels.

Understanding Full-time RV Insurance

Standard RV insurance is often designed for occasional use, but living in your RV year-round requires more comprehensive protection. Full-time RV insurance combines elements of auto, homeowners, and specialty coverage to address the risks of using your RV as your primary residence.

Key Coverages for Full-time RVers

• Liability coverage may help if someone is injured in or around your RV, or if you cause property damage. This is especially important for full-timers who host guests or stay in RV parks.
• Personal property protection may cover your belongings inside the RV, such as electronics, clothing, and appliances—similar to homeowners insurance.
• Comprehensive and collision coverage may help pay for repairs or replacement if your RV is damaged by accidents, weather, theft, or vandalism.
• Full-timer’s liability may offer additional liability protection, recognizing your RV as a permanent home rather than just a vehicle.
• Emergency expense coverage may assist with temporary living costs if your RV becomes uninhabitable due to a covered loss.
• Medical payments coverage may help with medical expenses for you or your passengers after an accident, regardless of fault.

How Texas Law Impacts RV Insurance

Texas requires minimum liability coverage for all motor vehicles, including motorhomes. However, full-time RVers may need higher limits and additional protections not included in standard policies. Factors like the value of your RV, where you travel, and how much time you spend on the road can all affect your insurance needs.

Contact Us

At Smaistrla Insurance Agency in East Bernard, TX, we specialize in helping RV owners find tailored insurance solutions. We can explain your options and help you secure coverage that fits your lifestyle—so you can enjoy the open road with confidence.

Ready to protect your RV home? Contact us today to discuss your full-time RV insurance needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.