There’s nothing quite like hitting the road in a motorhome. Whether you’re cruising through Texas Hill Country or heading for a quiet weekend at a state park, RVs give you the freedom to explore on your own terms. But what if you’re only using one for a few days or a couple of weeks?
Maybe you’re borrowing a friend’s camper for a long weekend. Maybe you’re renting a big Class A motorhome for a family vacation. In those cases, a full-year RV policy doesn’t make sense.
That’s where temporary motorhome insurance comes in. It’s short-term coverage that protects you while you’re out having fun, without locking you into a long-term plan.
At Rollo Insurance, we help Texans get the right coverage for every kind of road trip, big or small.
So, What Is Temporary Motorhome Insurance?
Temporary motorhome insurance is a short-term policy designed specifically for RVs, motorhomes, and travel trailers. It usually lasts anywhere from one day to a few weeks, and sometimes up to a couple of months depending on the provider.
This type of coverage is important for two main reasons:
Renting an RV? Your personal car insurance probably won’t cover it, especially since many policies exclude vehicles used for commercial or rental purposes.
Borrowing one from a friend? A temporary policy protects both you and the owner, without risking their own insurance policy or claims history.
Two Common Scenarios: Renting vs. Owning
Let’s look at the two most common ways temporary RV coverage comes into play.
1. Motorhome Rental Insurance
This is the most typical use for short-term coverage.
Who Pays: The renter usually pays the daily premium. Some rental companies include it in the booking, or you can add it through third-party platforms like RVshare.
Cost: Usually around $15 to $30 per day, depending on the RV’s value and how much coverage you choose.
What It Covers:
- Liability protection if you cause injury or property damage
- Collision and comprehensive coverage for the rented RV
- Coverage for things like theft, fire, or weather damage
This kind of policy fills the gap where your personal auto policy stops, and it’s essential if you’re planning a trip in a rented vehicle.
2. Full-Timer Motorhome Insurance
On the opposite end, full-timer RV insurance is for people who live in their RVs six months or more out of the year. It’s not temporary, but it’s worth understanding the difference.
Who Needs It: People who treat their RV as a primary residence.
What It Covers: A lot more, including personal liability while parked, coverage for belongings, and even living expenses if your RV becomes unlivable.
Why It Matters: If you’re living in an RV full-time and only have basic recreational coverage, your insurer could deny a claim for violating the usage terms.
So, if you’re not a full-timer and just need coverage for a quick trip, a short-term policy is the way to go.
What Does Temporary RV Insurance Typically Include?
While policies vary, here’s what most short-term motorhome insurance plans offer:
- Liability Coverage: Protects you if you cause injury or property damage to someone else while driving the RV.
- Collision and Comprehensive: Covers damage to the RV itself, whether it’s from an accident, theft, fire, or bad weather.
- Personal Belongings: Some policies include protection for your stuff inside the RV, like electronics, clothes, or gear. Always check the limits.
- Roadside Assistance: Services like towing, flat tire help, or jump starts are often included, which is especially helpful with large vehicles.
- Emergency Expense Coverage: Helps cover temporary lodging and meals if a covered claim forces you off the road.
What Does It Cost in Texas?
Temporary motorhome insurance is surprisingly affordable, especially when you consider what’s at risk.
Average Daily Rate: In Texas, most policies fall between $15 and $30 per day.
Quick and Easy: You can usually purchase the policy online in just a few minutes. And because it’s separate from the owner’s insurance, it keeps their record clean in case something goes wrong.
Before You Hit the Road…
Whether you’re renting an RV for a bucket-list vacation or borrowing one from a buddy for a weekend getaway, don’t overlook insurance. It’s easy to assume your regular policy covers everything, but that’s rarely the case with motorhomes.
At Rollo Insurance, we’ll help you get the right coverage for your trip so you can relax and focus on the adventure and not the “what ifs.”
Ready to roll? Let’s talk and get you set up with the coverage you need.
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