What to Know About Owning an RV in Houston

Owning an RV is a great experience with 40 million people regularly RVing throughout the country. When Houstonians are looking for a great way to take a break from the hustle and bustle of city life, packing into an RV and heading to a simpler part of the country is a great way to unwind and enjoy the tranquility of nature.

But owning an RV, particularly in a city such as Houston, comes with its own sets of unique challenges and obstacles. Preparing for what an RV will bring into your life is a great way to get the most out of the experience. RVs are amazing vehicles that can yield memories and experiences that will last a lifetime for you and your family. They will also need some specific and unique considerations before you purchase one for your use. Take a look at some of the things you should know when you are considering purchasing an RV.

Finding the Right Insurance Provider

Car Insurance is a requirement just as it is for any other vehicle on the road, yet, for an RV, separate policies exist to help close the gaps that can be left if you rely on car insurance alone. Adding RV insurance is a great way to gain peace of mind and protect against untimely disasters. There are five coverages RV owners should be aware of before hitting the road:


  • Companion Auto- protects your RV and vehicle in the event they are both damaged in an accident by combining them into a single deductible.
  • Fulltimer’s Personal Liability- protects you should you or someone else be injured in or near your RV when you travel.
  • Personal Attachments Coverage- coverage that protects attachments such as awnings.
  • Total Loss Replacement- should you lose your RV due to a catastrophic event, this coverage helps you pay for a replacement.
  • Secured Storage- helps protect your RV and personal belongings against theft while it is in storage.


Policies and providers are all different, so it is important to assess your needs with an agent and understand the policies you enroll in for maximum protection. 

Texas Requires a Specific License to Operate

The simple way to put it is that each state has a different set of regulations regarding your need for a specific license to legally operate an RV within a particular state. In Texas, holding a valid Class B license will suffice, so long as your RV is under 26,000 lbs. If you are driving multiple vehicles, think about if you will be towing a vehicle or watercraft, and/or exceed 26,000 lbs, you will need to acquire a Class A license. To acquire either of these you will have to pass at one of these offices.

Consider Your RV Storage Options

Storing an RV will take unique measures. If you are downtown, you may not have the physical space to park your RV depending on which type you decide to own. Additionally, even in suburban areas, many HOAs are not RV friendly and will require storage outside of your neighborhood. You will also need to consider the type of storage you will need, the harsh weather Houston can bring in terms of heat and windstorm events, and if your storage facility is in an area at risk of flooding. Storing an RV is an additional expense but keeping your vehicle safely tucked away will help you embark on road trips like no other.

Be Prepared for Repairs

An RV is unique in the fact that it is a home disguised as a vehicle…or maybe it’s a vehicle disguised as a home. Either way, prepare yourself for the repairs that mixture brings. Repairs can be expensive and difficult. Many mechanics are incapable of working on RVs and you will need to seek someone who is knowledgeable on how to repair such a vehicle. Beyond expenses, owners should be aware that towing can also be difficult as can roadside assistance. If you find yourself broken down on the side of a mountain or stuck in a remote area, it is important to be prepared on how to overcome these obstacles. Stay calm, enjoy the view, and create a plan to get yourself rolling again. 

Navigating Houston and Knowing Your Height Requirements

We take for granted the fact that our vehicles can pass under basically any overpass, bridge, or other obstacles that Houston may throw our way; however, with an RV, you need to remember that height matters and a mistake in passing where you cannot fit can be dangerous and costly. Houston, TX is a beautiful city but there are many narrow streets, odd roads, and it can be difficult to navigate in our everyday vehicles, much less an RV. Know your route, your height, and have a plan where you are embarking on your trips.

About Katie Rosario

Katie has been in the marketing industry for over 10 years and has a strong passion for writing great content. She has been writing for TGS Insurance for three years and strives to make every piece of content she works on informative and easy to read. In her spare time, she enjoys baking and spending time with her family.