What to Know About RV Insurance for Summer Travel in Texas

Summer is prime RV season in Texas. Whether you’re planning a scenic trip through the Hill Country or staying closer to Lubbock, having RV insurance can help keep your adventure on course.

How RV Insurance Works

RV insurance shares some similarities with auto coverage—but with added considerations. A policy typically includes liability coverage along with optional coverages, such as the following:

• Collision and comprehensive coverage
• Personal belongings coverage
• Vacation liability
• Emergency expense coverage

Your coverage needs may vary depending on your RV type. Towable RVs, for instance, may not need separate liability coverage, but they can still benefit from physical damage and contents coverage.

Why Seasonal Travel Affects Your Insurance Needs

How often you use your RV plays a role in the type of policy you may want. If you’re a full-timer, you’ll likely need broader coverage similar to a homeowners policy. A seasonal or part-time RV policy might be better if you travel just a few times a year.

Summer also brings unique risks in Texas—such as hailstorms, high winds and heat-related mechanical issues. That makes it especially important to review whether your comprehensive coverage accounts for weather-related damage and roadside assistance.

Learn More

Alan Henry Insurance Agency can help you explore RV insurance options that align with your travel plans and vehicle type. Contact us at our Lubbock office today to review your coverage before you hit the road this summer.