If you own a recreational vehicle (RV), ATV, trailer or other “toy,” Texas State Low Cost can help you get all your vehicles insured! We have helped thousands of Texans insure their recreational vehicles and we can help you too.

Recreational Vehicle (RV) Insurance

While it might seem that buying RV insurance is just like buying auto insurance, the two are not exactly the same. Consider, for example, how you use your car versus how you use your RV: people typically drive their automobiles daily, but use their recreational vehicles only when on vacation. As a result, when purchasing RV insurance, it is best to consider the following:

  • How much is your RV worth?
  • Where do you store your RV when it’s not in use?
  • What items do you keep in your RV?

These questions will help you and your agent determine the amounts and types of insurance that are best for you.


At Texas State Low Cost, we can insure your hauling trailers as well as travel trailers and mobile homes. If you’re unsure about whether you need trailer insurance, perhaps ask yourself this question: If your trailer were damaged, would you be able to comfortably afford the cost of repairing or replacing it? If not, consider insuring your trailer.


Insuring your ATV is much like insuring your motorcycle. Because riding an ATV can be inherently dangerous, we highly recommend you purchase insurance. Here’s a simple question you can ask yourself when considering purchasing ATV insurance: If a bystander were seriously hurt by you or your ATV, could you afford to personally pay for damages or defend yourself should the injured person file suit against you? If not, it is highly recommended that you purchase ATV insurance.

Other products

Other than recreational vehicles, Trailers, and ATV’s, Texas State Low Cost also ensures dune buggies, boats, and a variety of others recreational toys. Call us at 800-334-3943 today and we can help get you set up with the right insurance for you!


Policies and pricing may vary and customers must refer to their own declarations page and carrier guidelines for specific information about their policies. These pages do not in any way guarantee or constitute eligibility for coverage.