Bosworth & Associates 1818 W SW Loop 323 Tyler, TX 75701
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RVs come in a lot of shapes and sizes. Some you drive. Some you tow. Some are weekend escapes. Others are full-time homes.
We help insure:
Large, bus-style RVs with full living quarters. These usually carry higher values and often require higher liability limits.
Compact camper vans that are easier to drive and park, but still need specialized motorhome insurance coverage.
Mid-sized motorhomes with the over-cab sleeping area. A popular option for families.
One of the most common types of RVs. They range from lightweight campers to larger residential-style trailers.
Towable units that attach to a special hitch in the bed of a truck. Often larger and designed for extended stays.
Built with storage space for UTVs, four-wheelers, dirt bikes, and other off-road vehicles. Keep in mind, those “toys” typically need their own separate insurance coverage as well.
RV insurance is not the same as auto insurance. It is designed specifically for the unique risks that come with recreational vehicles. At Bosworth & Associates, we help you understand how those coverages work and what makes sense for your situation.
Texas requires liability coverage for motorized RVs.
It includes:
In most cases, we recommend limits of 100/300/100 – $100,000 per person, $300,000 per accident, and $100,000 for property damage – for protection in the event of a serious claim.
This protects against non-collision damage such as:
With severe weather and wildlife common in East Texas, comprehensive coverage is especially important. It is also critical for RVs that sit in storage for long periods.
If another driver causes an accident and does not have enough insurance, this coverage can step in. Unfortunately, not everyone on the road carries adequate limits. This helps protect you from that gap.
Your RV often carries more than just furniture. Camping gear, electronics, tools, and outdoor equipment add up quickly. This coverage helps protect those items.
This protects equipment permanently attached to your RV, such as:
If your RV is your primary residence, you need more than a standard recreational policy.
Full-time RV insurance can include:
In many cases, this coverage is required if the RV is financed and serves as your primary home.
Texas treats motorized RVs like automobiles. You must carry minimum liability limits and show proof of insurance for registration.
While Texas does not require liability coverage for towable RVs in the same way as motorized units, lenders often require physical damage coverage if the trailer is financed.
Even when not legally required, carrying proper RV insurance is a smart way to protect your investment and your assets.
Several things impact the cost of RV insurance in Tyler:
Higher values generally mean higher premiums. Motorhomes typically cost more to insure than towable trailers. Custom features can also increase the insured value.
Where you live and how you store your RV matters.
Just like auto insurance, your driving history affects your premium. A clean record helps. Accidents, DUIs, and major violations increase costs.
Higher liability limits raise premiums. Higher deductibles generally lower them. We help you find the right balance.
As an independent RV insurance agent in Tyler, Bosworth & Associates can shop multiple carriers to find competitive options.
Other ways to potentially save:
These are some of the questions we hear most often from RV owners in East Texas:
Motorized RVs must carry minimum liability coverage. Towable RVs may not be required by law, but lenders often require coverage.
It can, if you add personal property coverage to your policy.
Generally, no. RV insurance is separate and designed specifically for recreational vehicles.
That depends on the cause of the damage and the specific policy terms. We can review that with you.
Yes. Standard policies typically exclude commercial or rental use. You would need a policy designed for that exposure.
If you have other questions about RV coverage in Tyler, we are here to help.
Getting started is simple.
Call Bosworth & Associates and speak with a local insurance agent who understands RV insurance in Tyler and throughout East Texas.
We will review how you use your RV, explain your coverage options clearly, and build a policy that fits your lifestyle.
Whether you are heading out for the weekend or living on the road full-time, we will help make sure your home on wheels is properly protected.
