Does an RV need insurance in Texas?

Yes, an RV needs insurance in Texas. State law requires motorhomes to have an auto policy with liability coverage to pay for damages or injuries you cause in an accident. If you also want protection for your own RV, you’ll need to add collision coverage for accident-related repairs and comprehensive coverage for non-collision damage, such as fires, floods, theft, or vandalism. This combination ensures both legal compliance and financial protection while on the road.