We cover everything you own and everyone you're responsible for, without locking you into one company's options.
RV & ATV Insurance for East Texas Riders and Road-Trippers
Whether you're hauling a fifth wheel to a campground or running an ATV across your property, the right coverage keeps an unexpected moment from becoming an expensive problem. At Wallace & Murray, we've been helping East Texas families cover the things they work hard for since 1972 — and that includes the recreational vehicles that make weekends worth having.
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Hay barns, equipment sheds, cattle pens, grain storage, and other agricultural structures aren't covered under a standard homeowners policy. A farm and ranch policy covers them specifically — at replacement cost or actual cash value depending on what you carry.
Barns, Outbuildings, and Farm Structures
What We Cover for RVs and ATVs
We write RV and ATV insurance for a wide range of vehicles and situations. Whether you own one machine or several, we'll find coverage that fits what you actually have — not a generic package built around someone else's needs.
- Motorhomes, fifth wheels, travel trailers, and camper vans
- ATVs, UTVs, and side-by-sides
- Golf carts used on and off private property
- Dirt bikes and off-road recreational vehicles
- Seasonal and year-round coverage options
- Liability, collision, comprehensive, and uninsured motorist coverage
- Total loss replacement and personal belongings coverage for RVs
Why RV and ATV Coverage Is Worth Having
Your homeowners policy almost certainly doesn't cover your ATV on a trail or your RV once it leaves the driveway. These vehicles carry their own risks — theft, rollover, collision, liability if someone gets hurt — and they need their own protection. RV and ATV insurance in Texas is about making sure a fun weekend doesn't turn into a financial setback. We work with multiple carriers to find coverage that fits your budget and your situation.
Coverage That Fits How You Actually Use It
Not everyone uses their RV or ATV the same way, and your coverage shouldn't assume they do. A family that lives in their motorhome full-time has different needs than someone who pulls a camper out three weekends a year. A rancher running a UTV across pasture land needs different protection than a trail rider hitting state parks on weekends. We take the time to understand how you use your vehicle before we talk about coverage — because that's the only way to get it right.
Independent Agency Means More Options for You
Because we're an independent agency, we're not locked into one carrier's products. We shop your coverage across multiple insurance companies to find the combination of price and protection that makes sense for your vehicles and your budget. You get real options instead of a take-it-or-leave-it quote. And when you call us, you talk to a person — not a call center, not a 1-800 number, not a recording. That's been true since we opened our doors in 1972, and it hasn't changed.
Who We Write RV and ATV Insurance For
We serve riders, owners, and road-trippers across Van Zandt County and the broader East Texas area. If any of the following sounds like you, we can help.
RV Owners and Full-Timers
From weekend campers to full-time RV residents, we write coverage for motorhomes, travel trailers, fifth wheels, and camper vans. We'll make sure your rig is covered whether it's parked in a campground or moving down the highway.
ATV and UTV Riders
Whether you're riding for recreation or using a side-by-side as a working vehicle on your property, we write ATV and UTV insurance that covers liability, physical damage, and more. Ranch owners in Van Zandt County rely on these machines daily — and they deserve proper coverage.
Golf Cart Owners
Golf cart coverage is more common than people think, especially for owners using them around their property, in communities, or on local roads where permitted. We can write standalone golf cart policies or fold coverage into an existing personal lines package.
Out-of-Area Texas Residents
Our office is in Canton, but we write coverage across Texas. If you're in Tyler, Athens, Terrell, Mineola, or anywhere else in East Texas and you're looking for a local agency that answers the phone, we're happy to help you get covered.
Common Questions About RV & ATV Insurance
Does my homeowners insurance cover my ATV?
In most cases, no. Standard homeowners policies exclude motorized vehicles used off your property, and many exclude ATVs entirely. A separate ATV policy is the only way to make sure you're covered on trails, roads, or someone else's land.Do I need insurance on my RV if I only use it a few times a year?
Yes. Your RV is exposed to theft, weather damage, and liability risk even when it's parked. Seasonal policies are available that can reduce your premium while keeping you covered during storage — we can walk you through the options.What does RV insurance cover that auto insurance doesn't?
RV insurance typically includes coverage for personal belongings inside the vehicle, vacation liability (when your RV is being used as a temporary residence), total loss replacement, and emergency expense coverage — none of which are standard on an auto policy.Can I insure multiple ATVs or a mix of ATVs and a UTV on one policy?
Yes, in many cases multiple recreational off-road vehicles can be covered under a single policy. We'll check with our carriers to find the most cost-effective way to cover everything you own.Is ATV insurance required by law in Texas?
Texas does not require liability insurance for ATVs operated on private property. However, if you ride on public land, trails, or roads where permitted, coverage is strongly advisable — and some locations require proof of insurance. Either way, the liability exposure from an accident makes coverage worth having regardless of legal requirements.
Talk to Someone Who Knows Your Name
We've been part of this community for over 50 years. When you call Wallace & Murray, you reach a real person at our Canton office who can answer your questions, compare your options, and get you a quote the same day. No fees, no runaround, no waiting on hold. Just straightforward service from people who actually know East Texas.