Physical Damage
Boat physical-damage coverage may help pay for covered damage to the hull, machinery and permanently attached equipment, subject to policy terms, limits and deductibles.
Boat & RV Insurance in Central & West Texas
Boat & RV Insurance for Life Beyond the Driveway
Local coverage guidance for boats, travel trailers, motorhomes and recreational vehicles in Fredericksburg, Brady, Mason, San Saba and surrounding Texas communities.
Recreational Vehicle Insurance
Protect the Vehicles That Take You Somewhere Better
A boat, travel trailer or motorhome is more than another vehicle. It may carry specialized equipment, personal belongings and liability risks that an ordinary auto or homeowners policy was not designed to handle by itself.
Citizens Insurance Agency helps Texans understand insurance options for the recreational vehicles they use on lakes, highways, campgrounds and weekend trips. Coverage can vary substantially depending on what you own, its value, how it is used, where it is stored and whether it is financed.
As an independent local insurance agency, Citizens can help you compare available protection without treating every boat or RV like the same risk.
- Boat insurance
- Travel trailer insurance
- Motorhome insurance
- Physical damage coverage
- Liability protection
- Optional specialized coverage
Boat Insurance
Coverage for Time on the Water
Boat insurance can combine protection for the vessel itself with liability and other coverage designed around boating risks. Available protection depends on the boat, insurer and policy.
Boat Liability
Liability coverage may help protect you when you are legally responsible for covered bodily injury or property damage arising from operation of the insured boat.
Trailer Coverage
The trailer used to transport your boat creates its own property and road risks. Ask how the boat trailer is covered both while stored and while being towed.
Personal Property & Equipment
Fishing gear, electronics and other equipment can have different coverage limits or requirements. Discuss expensive or specialized equipment with your agent.
Uninsured Boater Protection
Some policies offer protection for certain injuries caused by an uninsured or underinsured boater. Availability and terms vary by insurer.
On-Water Assistance
Towing, emergency assistance and other optional services may be available. These features can be useful when mechanical trouble leaves you stranded away from shore.
RV Insurance
Protection for Motorhomes & Travel Trailers
The right RV coverage depends in part on whether your recreational vehicle drives under its own power or is towed, how often you use it and what you keep inside it.
Motorhome Coverage
Motorhomes combine vehicle risks with many of the property exposures of a living space. Coverage may include liability, collision, comprehensive and specialized RV options.
Travel Trailer Coverage
Travel trailers, fifth wheels and similar towable RVs can require separate physical-damage protection even though liability while towing may involve the tow vehicle's policy.
Collision Coverage
Collision coverage may help pay for covered damage to the insured RV resulting from a collision or rollover, subject to the policy deductible and terms.
Comprehensive Coverage
Comprehensive coverage may address covered non-collision losses such as theft, hail, fire, vandalism, falling objects and certain weather-related damage.
Personal Belongings
RVs can carry clothing, electronics, camping gear and other personal property. Ask how belongings are covered and whether special limits apply.
Vacation & Campsite Liability
Depending on the policy, specialized liability protection may be available for certain incidents that occur while the RV is being used as a temporary residence or at a campsite.
Texas Weather
Hail, Wind & Storms Can Hit Boats and RVs Hard.
Boats, trailers and motorhomes can spend much of their lives outdoors, where Texas hail, wind and severe storms can cause expensive damage. Comprehensive or other physical-damage coverage may respond to covered weather losses, depending on the policy.
Review the deductible, settlement terms and coverage for permanently attached equipment before assuming every part of your recreational vehicle is protected the same way.
Storage & Use Matter
Tell Your Agent How You Actually Use It.
A boat kept at a marina can present different risks from one trailered home after every trip. An RV used a few weekends each year is different from one used for extended travel or as a residence.
Accurate information about storage, usage, operators, value and equipment helps your agent evaluate coverage that better matches the risk.
Coverage Worth Discussing
Details That Can Make a Big Difference
Agreed Value vs. Other Settlement Methods
Boat and RV policies may use different methods to determine the amount paid after a covered total loss. Ask how your vehicle or vessel would be valued before choosing a policy.
Accessories & Upgrades
Aftermarket electronics, awnings, generators, custom equipment, fishing gear and other additions may require additional attention or documentation.
Roadside or Towing Assistance
Specialized towing or emergency assistance can be valuable for a large RV or a disabled boat on the water. Check what assistance is available and its limits.
Liability Limits
Serious boating or RV accidents can cause significant injuries or property damage. Review liability limits based on your financial exposure, not simply the lowest premium.
Storage Periods
Even when a boat or RV is not being used, it can still be exposed to theft, fire, hail and other losses. Ask before reducing or suspending coverage during storage.
Financed Boats & RVs
A lender may require physical-damage coverage while it has a financial interest in the boat or RV. Your own protection needs may extend beyond the lender's minimum requirements.
A Better Coverage Review
Four Things to Discuss With Your Agent
What You Own
Provide the year, make, model, value, equipment and major upgrades for the boat, trailer or motorhome you want to insure.
How You Use It
Weekend recreation, extended travel, fishing, towing and other uses can affect the protection you should consider.
Where You Keep It
Home storage, marinas, RV parks and storage facilities can present different exposures and underwriting considerations.
What You Want Protected
Review physical damage, liability, belongings, equipment, towing and other available options instead of comparing price alone.
Local Boat & RV Insurance Agency
Serving Fredericksburg, Brady, Mason & San Saba
Citizens Insurance Agency provides local boat and RV insurance guidance across the Texas Hill Country and Central and West Texas, with four offices and agents who understand the communities they serve.
Fredericksburg
Boat and RV insurance for Fredericksburg, Stonewall, Harper, Doss and surrounding Gillespie County communities.
Brady
Boat and RV insurance for Brady, Rochelle, Lohn, Melvin and surrounding McCulloch County communities.
Mason
Recreational vehicle and boat insurance for Mason and communities throughout Mason County.
San Saba
Boat and RV insurance for San Saba, Richland Springs, Cherokee, Bend and surrounding San Saba County communities.
Boat & RV Insurance FAQ
Common Questions About Boat & RV Insurance
Do I need separate insurance for my boat?
That depends on the boat and the protection you need. Homeowners policies may provide very limited coverage for some small watercraft, but larger or more valuable boats often need dedicated boat insurance for meaningful physical-damage and liability protection.
Does boat insurance cover the trailer?
A boat policy may provide certain coverage for a boat trailer, but terms and limits vary. Liability while towing can involve the tow vehicle's auto policy. Ask your agent to explain how both property damage and liability are handled.
Does boat insurance cover fishing equipment and electronics?
Coverage may be available for certain equipment and personal property, but limits can apply. Expensive electronics, fishing gear or specialized equipment should be specifically discussed with your agent.
What is the difference between motorhome and travel trailer insurance?
A motorhome is self-propelled and generally needs auto-like liability coverage in addition to physical-damage and RV-specific protection. A travel trailer is towed and has different liability considerations, although separate coverage may still be important for damage to the trailer itself and its contents.
Does RV insurance cover hail damage?
Covered hail damage is generally associated with comprehensive or similar physical-damage coverage, subject to the policy's deductible, terms and exclusions.
Are my belongings inside an RV covered?
Some RV policies provide coverage for personal belongings, but limits and exclusions vary. Review the value of what you routinely carry and ask how the policy treats those items.
Do I need RV insurance if my travel trailer is paid off?
A paid-off trailer may no longer have a lender requiring coverage, but you still face the risk of losing the trailer to collision, theft, fire, hail or another covered event. Whether to retain physical-damage coverage is a financial decision based on the trailer's value and your ability to absorb a loss.
Should I cancel coverage when my boat or RV is in storage?
Storage does not eliminate risks such as theft, fire, vandalism or storm damage. Changing or suspending coverage can also create unintended gaps. Talk with your agent before making seasonal coverage changes.
Can I insure accessories and upgrades?
Coverage may be available for certain permanently installed accessories, custom equipment and upgrades, but standard limits may not be enough. Provide your agent with details and values for significant additions.
Why use a local independent agency for boat and RV insurance?
A local independent agency can help you compare available coverage while giving you a nearby contact who can discuss how your boat or RV is actually used and stored. Citizens has offices in Fredericksburg, Brady, Mason and San Saba.
Protect Your Time Away
Talk With a Local Citizens Agent.
Get help comparing insurance options for your boat, travel trailer, motorhome or recreational vehicle.