More adventure. Less what-if.
Boats on the lake. RV weekends. Motorcycles, golf carts and off-road adventures. Here's your guide to recreational insurance in Texas, so you can spend more time enjoying the fun stuff.
Work hard.
Play a little harder.
Lake weekends. Open highways. Camping under the stars. That ATV you've been thinking about all year.
Texas has plenty of ways to get outside and have fun. But recreational vehicles and equipment come with their own risks and insurance questions. Here's what to know before your next adventure.
Pick your adventure.
Recreational insurance isn't one universal policy. Different vehicles and activities need different types of protection.
Boats & personal watercraft
Coverage options for fishing boats, pontoons, speedboats, Jet Skis and other watercraft.
EXPLORE BOAT INSURANCE →RVs & motorhomes
Insurance for drivable motorhomes, camper vans, travel trailers and fifth wheels.
EXPLORE RV OWNERSHIP →Motorcycles
Coverage for your bike, liability, theft and covered accidents.
ATVs & side-by-sides
Explore protection for recreational off-road vehicles, including liability and physical damage coverage.
Golf carts
Depending on how and where you drive, a golf cart may need separate insurance or an endorsement.
Trailers & accessories
Ask about coverage for trailers, attached equipment, upgrades and the belongings you bring along.
So, what does recreational insurance cover?
Coverage depends on your vehicle, insurer and policy. These are some common protections worth discussing.
When someone else is affected.
Helps with covered injuries or property damage you're legally responsible for, subject to policy terms.
When things go bump.
May help pay for covered damage to your insured vehicle after a collision.
For life's other surprises.
May cover certain non-collision losses such as theft, fire, hail and other covered events.
When someone gets hurt.
Some policies offer medical payments coverage for qualifying injuries, regardless of fault.
A little backup.
Depending on the policy, towing, emergency assistance or on-water towing may be available.
Don't forget your gear.
Ask about coverage for fishing equipment, electronics, camping supplies and other personal property.
One important distinction.
Liability coverage protects against certain losses you cause to others. Collision and comprehensive coverage address covered damage to your own vehicle. Having one doesn't mean you automatically have the others.
Different adventures.
Different rules.
Texas doesn't treat every recreational vehicle the same way. Some require liability insurance for road use. Others may not have a general state insurance requirement, but financing agreements, facilities or particular uses can create additional obligations.
Motorhomes
Drivable motorhomes need auto liability coverage under Texas law. Separate collision and comprehensive coverage can protect the motorhome itself against covered losses.
Motorcycles
Texas requires financial responsibility for motorcycles. The standard minimum liability limits are 30/60/25, although higher limits may be appropriate for your circumstances.
Travel trailers
Your tow vehicle's liability policy may extend to certain accidents while towing. Protecting the trailer itself usually requires separate coverage or an endorsement.
Boats, ATVs & golf carts
These generally don't have the same statewide liability insurance requirements as ordinary road vehicles. However, lenders, marinas, rental agreements and certain permitted uses may have their own requirements. Check before heading out.
Street-legal doesn't mean everywhere.
Texas places restrictions on where certain golf carts and off-highway vehicles may operate. Check local rules and applicable registration requirements before using them on public roads.
Sunshine today. Hail tomorrow.
Your recreational vehicle might spend more time outdoors than anything else you own. Texas weather makes proper storage and coverage worth thinking about.
Watch that forecast.
Hail can damage motorhomes, boats, trailers and other recreational equipment.
Know where you park.
Low-lying storage lots and campgrounds can flood quickly. Check how your policy treats flood-related damage.
Have a relocation plan.
If you keep a boat or RV near the coast, plan ahead for hurricane season.
Protect your investment.
Secure trailers, use appropriate locks and consider monitored or enclosed storage options.
Stored for the season?
Ask your insurer whether seasonal use or storage affects your policy. Be cautious about reducing coverage if your vehicle is still exposed to theft, storms or other losses.
A few questions before you buy.
Not every recreational insurance policy is built the same. The right questions depend on what you own and how you use it.
Weekend adventures, seasonal trips and full-time RV living can create different coverage needs.
Your driveway, a storage facility, a marina or a campground can affect your insurance options.
Check age, licensing and permitted-driver restrictions before letting friends or family take a turn.
Ask about agreed value, actual cash value and replacement cost options, where available.
Review racing, rental use, commercial activity, geographic restrictions, wear and tear and other policy exclusions.
Renting it out?
Don't assume a personal recreational policy covers peer-to-peer rentals or commercial use. Tell your insurer before listing your vehicle on a rental platform.
Pack the fun stuff. Check the important stuff.
A little preparation can make the difference between a great weekend and a very expensive detour.
Ready for the water?
Check safety equipment, weather, registration and your boat's mechanical condition.
TEXAS BOAT OWNERSHIP →Ready for the road?
Inspect tires, brakes, lights, propane systems and your emergency supplies.
TEXAS RV GUIDE →Know your terrain.
Wear appropriate safety gear, follow local trail rules and check who is permitted to ride.
Keep your documents handy.
Bring applicable registration, insurance information, emergency contacts and any required permits.
Oh yeah.
Insurance.
Whether it's a boat for summer weekends, a motorhome for the open road or a golf cart for getting around, your recreational equipment deserves a proper coverage conversation.
One vehicle or a whole collection?
Review coverage for each vehicle you own. Don't assume your auto or homeowners policy automatically protects every recreational purchase.
Ask about discounts.
Depending on the insurer, bundling eligible policies, safety courses, secure storage and other factors may qualify for discounts.
Review your liability limits.
Recreational activities can create liability exposure. Consider your policy limits and whether additional liability protection may fit your needs.
Hey Charley is independent, so we can help you explore available insurance options for your recreational vehicles and equipment.
You've got the adventure.
Let's talk coverage.
Boat, RV, motorcycle or something a little more off-road? Let Charley take a look at your recreational insurance options.
LET CHARLEY TAKE A LOOK →