Personal Insurance / RV & Motorhome
RV Insurance for Life on the Road.
Whether you head out a few weekends a year or live in your rig full time, your RV needs coverage built for the road — not a personal auto policy with a blind spot for everything that makes RV travel different.
What RV Insurance Covers
Coverage built for the road, the campsite, and everything in between.
A dedicated RV policy covers your rig the way it actually needs to be covered — as a vehicle on the road and as a home away from home when you're parked. Your personal auto policy may cover liability while towing, but it won't cover physical damage to the trailer, your belongings inside it, or the campsite liability that comes with being set up somewhere.
The right RV policy brings all of that together in one place — so whether you're driving down I-35 or parked at a campground in the Hill Country, you know what's covered.
Standard RV coverage includes:
Coverage Gaps to Know
Your auto and homeowners policies probably don't cover your RV the way you think.
Most people assume their existing coverage extends to their RV. It doesn't — or it extends far less than expected. A dedicated RV policy fills those gaps specifically.
Personal auto policy
May cover liability while towing — but generally does not cover physical damage to the trailer, belongings inside it, or any coverage when the trailer is unhitched and parked at a campsite.
Homeowners policy
May cover some belongings while the trailer is on your property — but provides little to no coverage on the road, at a campground, or for the RV structure itself.
Full-time RV living
If your RV is your primary residence, standard RV policies may not be adequate. Full-timer coverage adds the liability and personal property protection a homeowners policy would normally provide.
Why McKnight
One call — we handle it alongside your home and auto.
RV coverage often gets handled separately, with a different company, at a different time — which means no one is looking at the full picture. When your RV policy is with the same agency as your home and auto, your account manager can make sure there are no gaps between policies and that your overall program makes sense together.
We work with carriers that write RV coverage across all types and use profiles — occasional weekend use, full-season travel, and full-time living. Call us and we'll find the right fit for how you actually use your rig.
One account manager
Your RV sits alongside your home and auto — one person sees the full picture of your household coverage.
100+ carriers
We shop across carriers that write RV coverage to find the right program for your rig and how you use it.
Real answers when you call
817.277.6166, weekdays 8:30–5pm. Someone who actually knows what they're looking at picks up.
FAQ
RV insurance questions we hear most.
RV Insurance Insights
Coverage guidance for Texas RV owners — what your auto policy misses and what a proper RV policy covers.
Get Started
Let's get your rig covered properly.
Call us or request a quote — we'll find the right RV policy for how you travel and make sure it fits alongside the rest of your household coverage.
McKnight Insurance Services · Mansfield, TX · By appointment · Weekdays 8:30am–5pm