How to Get Camper Insurance in Fort Worth

Living in Fort Worth means embracing the open road, weekend getaways to the Hill Country, and spontaneous camping trips under the stars. Whether you own a travel trailer, fifth wheel, pop-up camper, or motorhome, protecting your investment with the right camper insurance is not just wise—it’s essential. Unlike standard auto insurance, camper insurance is specifically designed to cover the unique risks associated with recreational vehicles. In Fort Worth, where summer temperatures soar, storms can roll in quickly, and theft rates in certain neighborhoods remain a concern, having tailored coverage gives you peace of mind on every journey.

Many residents assume their auto policy extends to their camper, but that’s rarely the case. Without proper coverage, you could be left responsible for costly repairs, medical bills, or even liability claims after an accident. This guide walks you through exactly how to get camper insurance in Fort Worth—step by step—with actionable advice, local insights, and real-world examples to ensure you’re fully protected without overpaying.

Step-by-Step Guide

Step 1: Determine Your Camper Type and Usage

Before shopping for insurance, you must accurately classify your recreational vehicle (RV). Camper insurance policies vary significantly depending on whether you own a travel trailer, fifth wheel, popup camper, Class A motorhome, Class C motorhome, or even a van conversion. Each type has different risk profiles and coverage requirements.

For example, a lightweight popup camper used occasionally for weekend trips to Possum Kingdom Lake will need different coverage than a luxury Class A motorhome driven year-round as a primary residence. Additionally, consider how you use your camper: Is it for seasonal recreation, full-time living, or rental income? Usage impacts premium calculations and available policy options.

In Fort Worth, many residents use campers for summer festivals like the Fort Worth Stock Show & Rodeo or fall camping excursions to the Texas Hill Country. If you plan to use your camper more than 100 days per year, you may qualify for “full-time RV coverage,” which includes additional protections like personal liability and medical payments beyond what basic policies offer.

Step 2: Assess Your Coverage Needs

Camper insurance isn’t one-size-fits-all. You need to evaluate which coverages are mandatory and which are optional but highly recommended based on your situation.

Liability Coverage is required in Texas if your camper has a motor (motorhomes). It protects you if you cause injury or property damage to others. Texas minimums are $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage. However, these minimums are often insufficient. Consider increasing liability limits to $100,000/$300,000 to match the cost of modern vehicle repairs and medical care.

Comprehensive Coverage protects against non-collision events like theft, fire, hail, vandalism, or falling tree limbs—common risks in North Texas. Fort Worth experiences severe weather, including tornadoes and hailstorms, making comprehensive coverage critical.

Collision Coverage pays for damage to your camper if you’re involved in an accident, regardless of fault. If your camper is financed or leased, the lender will likely require this coverage.

Uninsured/Underinsured Motorist Coverage is highly recommended in Texas, where nearly 13% of drivers are uninsured. This protects you if you’re hit by someone without adequate insurance.

Personal Property Coverage reimburses you for items inside your camper—such as cookware, electronics, or camping gear—lost or damaged in an accident or theft. Most policies offer $3,000–$10,000 in coverage; increase this if you carry expensive equipment.

Emergency Expense Coverage pays for lodging, meals, and transportation if your camper is disabled during a trip. This is especially useful for long-distance travelers or those using their camper as a mobile home.

Full-Timer Endorsement is necessary if you live in your camper more than 150 days a year. It adds coverage for things like personal liability while parked at a long-term RV park and coverage for your camper’s plumbing and electrical systems.

Step 3: Gather Required Documentation

When applying for camper insurance, you’ll need to provide specific documents to ensure accurate quoting and underwriting:

• Vehicle Identification Number (VIN) of your camper
• Proof of ownership (title or registration)
• Current odometer reading
• Details of any modifications (e.g., solar panels, upgraded awnings)
• Driver’s license number of all operators
• Proof of existing auto insurance (if applicable)
• Address where the camper is primarily stored (Fort Worth residents often store campers at home, in garages, or at private RV storage facilities)

For motorhomes, you may also need a copy of the manufacturer’s certificate of origin or a recent inspection report. If your camper was previously insured elsewhere, request a loss history report from your prior insurer to avoid duplicate claims or coverage gaps.

Step 4: Compare Quotes from Multiple Providers

Don’t settle for the first quote you receive. Insurance rates vary widely based on company, underwriting criteria, and local risk factors. In Fort Worth, insurers familiar with Texas weather patterns and regional theft trends offer better-tailored policies.

Start by contacting:

• Specialized RV insurers: Progressive, Nationwide, Geico, and Good Sam
• Local Fort Worth-based agencies: Look for agencies with RV specialists, such as those located near the I-35 corridor or in the Grapevine area
• Independent agents: These brokers can compare multiple carriers and often find niche discounts you won’t find online

When requesting quotes, provide identical information across all providers to ensure apples-to-apples comparisons. Ask each company:

• What discounts are available for Fort Worth residents?
• Is there a deductible for hail damage?
• Does the policy cover roadside assistance for campers in remote areas like the Texas Panhandle?
• How are total loss claims calculated? (Some companies use Agreed Value, others use Actual Cash Value)

Agreed Value policies pay out the pre-determined value of your camper if it’s totaled—ideal for newer or modified units. Actual Cash Value policies pay out the depreciated market value, which may leave you underinsured.

Step 5: Review Policy Exclusions and Endorsements

Every policy has exclusions. In Texas, common exclusions include:

• Damage from flooding (requires separate flood insurance if stored in low-lying areas near the Trinity River)
• Wear and tear or mechanical breakdown
• Damage caused by pests or rodents
• Use of the camper for commercial purposes (e.g., Airbnb rentals without endorsement)

Some Fort Worth residents store their campers in RV parks like the Fort Worth RV Resort or Trinity River RV Park. If you’re parked long-term, confirm whether your policy covers damage from park infrastructure (e.g., faulty electrical hookups). Ask for an “RV Park Liability Endorsement” if needed.

Also, check if your policy includes “total loss replacement” or “new-for-old” coverage. Some insurers offer this for campers under five years old, replacing a totaled unit with a brand-new one of similar make and model.

Step 6: Choose Your Deductible and Payment Plan

Your deductible is the amount you pay out-of-pocket before insurance kicks in. Higher deductibles (e.g., $1,000) lower your monthly premium but increase your financial responsibility after a claim. Lower deductibles (e.g., $500) raise your premium but reduce your burden during repairs.

In Fort Worth, where hail damage claims are frequent, many policyholders opt for a $500 deductible on comprehensive coverage to ensure quicker repairs after storms. For collision coverage, a $1,000 deductible is common for motorhome owners.

Payment plans vary. Monthly payments are standard, but some insurers offer discounts for paying annually. If you’re budget-conscious, ask about pay-in-full discounts, which can reduce your total cost by up to 10%.

Step 7: Finalize and Activate Your Policy

Once you’ve selected your policy, review the declaration page carefully. Confirm:

• Policy effective date
• Vehicle description matches your camper
• All drivers are listed
• Coverage limits are correct
• Discounts are applied

After payment, you’ll receive a digital or mailed proof of insurance. Keep a printed copy in your camper and save a digital copy on your phone. Texas law requires you to carry proof of insurance while operating your camper on public roads.

If your camper is stored at home, notify your homeowners insurance provider. Some policies offer limited coverage for stored RVs, but it’s not a substitute for dedicated camper insurance.

Step 8: Maintain and Renew Your Policy

Camper insurance requires annual renewal. As your camper ages, its value depreciates, so review your coverage limits each year. If you upgrade your camper’s appliances, add a generator, or install a security system, notify your insurer—they may qualify you for additional discounts.

Also, update your policy if your usage changes. For example, if you start using your camper for weekend rentals, you’ll need a commercial endorsement. Failure to update your policy can void coverage in the event of a claim.

Set calendar reminders 30 days before renewal. Many insurers offer loyalty discounts for multi-year customers. If you’ve had no claims, you may qualify for a “claims-free discount” of up to 15%.

Best Practices

Store Your Camper Securely

Fort Worth has a moderate risk of vehicle theft, especially for high-value motorhomes. Store your camper in a locked garage, behind a fence, or at a monitored RV storage facility. Many insurers offer premium discounts (up to 10%) if you install approved security devices like GPS trackers, wheel locks, or alarm systems.

For those storing campers outdoors, consider a heavy-duty cover to protect against UV damage and hail. Some policies even require covers for full coverage eligibility during storm season.

Document Everything

Before hitting the road, take high-resolution photos and videos of your camper’s interior and exterior. Create an inventory list of all personal belongings, including serial numbers and purchase receipts. Store this documentation in a cloud-based folder or email it to yourself.

In the event of theft or damage, this documentation speeds up claims processing and ensures you’re reimbursed for the full value of your items.

Update Your Policy After Major Life Changes

Marriage, divorce, relocation, or purchasing a new camper all impact your insurance needs. If you move from a Fort Worth suburb to a rural area, your risk profile changes. If you add a spouse as a driver, they must be listed on the policy.

Similarly, if you retire and begin full-time RV living, switch to a full-time policy immediately. Failing to do so may result in denied claims if your camper is damaged while parked at a long-term site.

Bundle with Auto or Home Insurance

Many insurers offer multi-policy discounts. If you already have auto or homeowners insurance with a provider like State Farm, Allstate, or Farmers, ask about bundling your camper policy. Bundling can reduce your total premiums by 15–25%.

However, don’t bundle just for the discount. Ensure the RV coverage is still comprehensive and competitively priced. Sometimes, a standalone RV policy from a specialist offers better benefits than a bundled one.

Know Your Emergency Procedures

Before traveling, familiarize yourself with your policy’s emergency protocols. For example, if your camper breaks down on I-20 near Grapevine, do you need to call a specific towing service? Are there preferred repair shops in the Dallas-Fort Worth metroplex?

Many insurers partner with national RV roadside assistance networks. Confirm your policy includes 24/7 assistance, tire changes, fuel delivery, and lockout service—especially important when camping in remote areas like the Palo Duro Canyon.

Review Local Weather Risks

North Texas is prone to severe thunderstorms, hail, and wind damage. The National Weather Service reports that Tarrant County averages 12–15 hail events per year. Ensure your policy covers hail damage without a separate deductible. Some insurers offer “hail-free” comprehensive coverage for an additional premium—worth considering if you park your camper outdoors frequently.

Tools and Resources

Online Quote Comparators

Use these tools to compare camper insurance rates quickly:

• Insurify – Compares quotes from 100+ insurers, including RV-specific providers
• Policygenius – Offers tailored RV coverage comparisons with expert advice
• RVUSA – Dedicated RV insurance comparison site with Texas-specific filters

These platforms let you input your camper’s VIN, usage, storage location, and driving history to generate instant quotes without speaking to an agent.

Local Fort Worth Resources

Connect with these local organizations for guidance:

• Fort Worth RV Club – A community of local RV owners who share insurance tips and recommend trusted agents
• Texas Department of Insurance (TDI) – Offers free consumer guides on RV insurance and complaint resolution
• Fort Worth Public Library – Hosts free financial literacy workshops that include insurance planning

Mobile Apps for RV Owners

Use these apps to enhance your coverage and safety:

• RV LIFE Trip Wizard – Helps plan routes and identify nearby repair shops
• RV Care – Tracks maintenance schedules and alerts you when service is due
• GasBuddy – Locates the cheapest fuel near your camper’s location
• RV Safety – Provides real-time weather alerts and storm tracking for Texas regions

Discount Programs

Take advantage of these common discounts in Fort Worth:

• Safe Driver Discount – Up to 10% off for drivers with no accidents in 3+ years
• Multi-Vehicle Discount – If you insure multiple vehicles with the same provider
• Retiree Discount – Available to drivers over 55 with no recent claims
• RV Club Membership Discount – Join Good Sam, Escapees, or the Good Sam Club for up to 15% off
• Anti-Theft Device Discount – GPS trackers, alarms, and steering wheel locks qualify
• Pay-in-Full Discount – Save 5–10% by paying annually

Insurance Agent Locator Tools

Use these tools to find local Fort Worth agents:

• State Farm Agent Locator – Search by zip code for agents with RV expertise
• Geico RV Insurance Agent Finder – Filters for agents who specialize in motorhomes and trailers
• Independent Insurance Agents of Texas – Connects you with brokers who represent multiple carriers

Local agents often know which insurers are most favorable to Fort Worth residents and can negotiate better terms than online-only providers.

Real Examples

Example 1: Sarah, a Retiree with a 2020 Travel Trailer

Sarah, 67, lives in Arlington but keeps her 2020 Keystone travel trailer stored at her Fort Worth home. She uses it for weekend trips to Lake Texoma and the Texas Hill Country. She initially thought her auto policy covered her trailer.

After a hailstorm damaged the roof, she discovered her auto policy excluded trailer damage. She contacted a local independent agent who helped her secure a policy with Progressive for $42/month. Her policy included:

• $100,000/$300,000 liability
• $500 comprehensive deductible (hail-covered)
• $5,000 personal property coverage
• Emergency expense coverage ($1,500 limit)
• Good Sam Club discount (12% off)

When the trailer was later damaged by a falling tree limb, she filed a claim and received a $3,200 payout within 72 hours. Her proactive research saved her thousands.

Example 2: Marcus and Lisa, Full-Time RVers in a Class C Motorhome

Marcus and Lisa sold their home in Grapevine and now live full-time in their 2019 Winnebago. They needed full-time RV insurance to cover liability while parked at a long-term site in Burleson.

They initially got a quote from Geico for $98/month but were denied coverage for plumbing damage. After consulting a Texas-based RV specialist, they switched to Nationwide’s “Full-Time RV” policy for $112/month, which included:

• Full-time liability coverage
• Plumbing and electrical system coverage
• Personal injury protection for passengers
• 24/7 roadside assistance with towing to any U.S. repair shop

When their water heater failed during winter, the policy covered $2,100 in repairs. Their agent also helped them enroll in the National RV Travel Network, which provides discounted RV park stays across Texas.

Example 3: James, a Renter Using a Camper for Airbnb

James, a Fort Worth software engineer, owns a 2017 pop-up camper and rents it out on Airbnb during weekends. He assumed his standard camper insurance covered rentals.

After a renter caused a fire while using a portable heater, his claim was denied because his policy excluded commercial use. He consulted an independent agent who helped him add a “Rental Use Endorsement” for an additional $18/month. The endorsement now covers:

• Liability for renter-caused damage
• Loss of income if the camper is out of service
• Damage from guest negligence

James now earns consistent income from rentals and has peace of mind knowing he’s protected.

FAQs

Do I need camper insurance in Texas if I don’t drive my camper often?

Yes. Even if your camper is stored and rarely moved, comprehensive coverage protects against theft, fire, weather damage, and vandalism. Texas law only requires liability coverage if the camper is registered and operated on public roads. However, storing an uninsured camper puts your investment at risk.

Can I add my camper to my existing auto insurance policy?

Some insurers allow you to add a trailer as a “scheduled vehicle,” but coverage is often limited. For motorhomes or full-time use, a dedicated RV policy is strongly recommended. Auto policies typically exclude coverage for personal property inside the camper and emergency expenses.

How much does camper insurance cost in Fort Worth?

Costs vary by camper type and usage. On average:

• Pop-up camper: $25–$50/month
• Travel trailer: $40–$80/month
• Class C motorhome: $70–$120/month
• Class A motorhome: $100–$200/month

Full-time policies and luxury models cost more. Discounts can reduce premiums by up to 25%.

Does camper insurance cover water damage?

Comprehensive coverage typically includes water damage from storms, leaks, or burst pipes. However, damage from poor maintenance (e.g., a leaking roof ignored for months) is excluded. Regular inspections are key to maintaining coverage.

What if my camper is damaged while parked at an RV park?

Your camper insurance should cover damage from fire, theft, or falling objects. However, if the damage is caused by the park’s faulty infrastructure (e.g., electrical surge), you may need to file a claim against the park’s liability insurance. Always confirm your policy’s “parked vehicle” coverage limits.

Can I get insurance for a vintage or antique camper?

Yes. Specialty insurers like Hagerty and Grundy offer “agreed value” policies for classic campers. These policies protect the historical value of your unit and often include coverage for shows, parades, and club events.

Do I need insurance if I’m just borrowing a friend’s camper?

Generally, the owner’s policy covers the camper, but only if you have their permission and are a licensed driver. Always confirm with the owner and check for “permissive use” clauses. For frequent borrowing, consider a non-owned RV policy.

Is roadside assistance included in camper insurance?

Not always. Some policies include it as standard; others charge extra. In Fort Worth, where breakdowns can occur far from services, we recommend including roadside assistance with towing, tire changes, and fuel delivery.

Can I cancel my camper insurance during the off-season?

Technically yes, but it’s not recommended. Lapses in coverage can lead to higher premiums upon renewal. Instead, ask your insurer about “storage discounts” or reduced coverage during off-seasons while maintaining continuous protection.

Conclusion

Getting camper insurance in Fort Worth isn’t just about compliance—it’s about safeguarding your freedom to explore. Whether you’re a weekend warrior heading to the Trinity River or a full-time traveler navigating the open highways of Texas, the right insurance policy ensures that unexpected events don’t derail your adventures.

By following this step-by-step guide, you’ve learned how to assess your needs, compare providers, secure the right endorsements, and avoid common pitfalls. You now understand the importance of comprehensive coverage in a region prone to hail, wind, and theft. You’ve seen real examples of how proper insurance saved owners thousands and learned about the tools and discounts available to Fort Worth residents.

Don’t wait for a storm to roll in or a tire to blow before acting. Take the time now to review your coverage, speak with a local agent, and ensure your camper is protected. With the right policy in place, you can focus on what matters most: the open road, the quiet campsite, and the unforgettable memories waiting just beyond the next bend.