What Types of Recreational Vehicles Do We Cover?
We write coverage for the full range of campers and motorhomes, including:
- Class A, B, and C motorhomes
- Fifth-wheel trailers
- Conventional travel trailers
- Pop-up and folding campers
- Toy haulers
- Truck campers
If you're unsure whether your rig qualifies or what type of policy it needs, give us a call or stop by either office — we'll sort it out quickly.
Whether you're pulling a travel trailer down a back road in Lavaca County or spending weekends in a Class A motorhome, your rig needs more than what a standard auto policy can offer. At Leopold Insurance, we work with multiple carriers to find motorhome insurance in Texas that fits how you actually use your vehicle — and what it would cost to replace it.
As an independent agency, we're not locked into one company's options. We compare coverage and pricing across carriers so you're not overpaying for a policy that doesn't fit your situation.
Coverage Built for the Way You Travel
What Does Motorhome and Camper Insurance Cover in Texas?
A well-structured RV or camper policy goes beyond collision and liability. Depending on the carrier and coverage options you choose, your policy may include:
- Collision coverage — repairs or replaces your rig after an accident, regardless of fault
- Comprehensive coverage — covers theft, fire, hail, flooding, and other non-collision losses
- Liability protection — covers bodily injury or property damage you cause to others
- Uninsured/underinsured motorist coverage — protects you when the other driver doesn't carry adequate coverage
- Personal belongings coverage — covers clothing, electronics, and gear stored inside your camper
- Emergency expense coverage — helps with lodging and travel if your motorhome breaks down far from home
- Full-timer coverage — for those who live in their RV full- or part-time and need broader protection
Coverage availability varies by carrier and vehicle type. We'll walk you through the options that make sense for your specific rig and how you use it.
Why Work with an Independent Agency for RV Insurance in Texas?
When you buy through a captive agent, you get one company's rates and one set of coverage options. Leopold Insurance has been independent since 1967, which means we shop across multiple carriers on your behalf. If your current RV insurer raises rates or drops your policy, we have other options ready — we're not starting from scratch.
Our staff has been with the agency for years. When you call or text us, you're talking to someone who knows Texas, knows the carriers we work with, and can give you a straight answer. We serve RV owners across Texas — from weekend campers to full-time travelers — and we work to find coverage that fits how you actually use your rig, not just a one-size-fits-all policy.
Claims History & Risk Management:
Your history can affect rates and availability; proactive management may lower costs.
What to Expect Next
A Local Agent Sees Your Message
Your message goes directly to a local agent at the Hallettsville or Victoria office — not a call center queue.
We Reach Out Your Way
We'll follow up using whichever method you selected — call, text, or email — at the time that works best for you.
What Our Clients Are Saying
Frequently Asked Questions About Camper & Motorhome Insurance in Texas
Is motorhome insurance required in Texas?
Texas law requires liability coverage for motorhomes that are driven on public roads, just as it does for passenger vehicles. Travel trailers and campers that are towed don't require their own liability policy, but they're not covered for physical damage under your tow vehicle's policy — separate coverage is worth carrying.Does my auto insurance cover my travel trailer?
Your auto policy typically extends liability while you're towing, but it does not cover physical damage to the trailer itself. A standalone travel trailer policy covers collision, comprehensive, and personal property inside the unit — protection your auto policy won't provide.Can I get coverage if I live in my RV full-time?
Yes. Standard RV policies are designed for recreational use, but full-timer coverage is available for those who use their motorhome as a primary residence. It functions more like a homeowners policy and includes broader liability and personal property protection. Let us know how you use your rig and we'll match you to the right coverage type.What affects the cost of motorhome insurance in Texas?
Premiums are influenced by the type and age of your vehicle, how often and how far you travel, where you store it when not in use, your driving history, and the coverage limits and deductibles you choose. Because we work with multiple carriers, we can compare rates to find a policy that fits your budget.How do I get a quote for camper or travel trailer insurance?
You can call or text our office, submit a quote request through our website, or stop by in person at our Hallettsville or Victoria location. The Hallettsville office also has a drive-thru window if you'd prefer a quick visit without coming inside. We'll gather a few details about your vehicle and get you options to review.
Ready to Cover Your Rig? We're Easy to Reach.
Getting a quote takes just a few minutes. Call or text us, submit a request online, or come by either office — including the drive-thru window in Hallettsville. We've been helping South Texas families find the right coverage since 1967, and we're glad to help you find the right fit for your motorhome, camper, or travel trailer.
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