Your Fifth Wheel Is a Home. Your Policy Should Say So.

A standard RV policy is written for a rig that moves. If your fifth wheel is tied down, skirted, and permanently positioned in a Texas park community, you need a stationary RV homeowner policy — coverage built around how you actually live.

What Makes a Stationary RV Homeowner Policy Different

Most RV policies assume you're traveling. They're priced and structured around a vehicle in motion — and they leave real gaps when that vehicle becomes a permanent residence. A stationary RV homeowner policy treats your fifth wheel the way it should be treated: as a home.


The distinction matters when a claim happens. A standard RV policy may deny or limit coverage on a unit that hasn't moved in years. A homeowner-style policy accounts for the structure itself, the contents inside, and your personal liability — the same categories that matter to any homeowner.


  • Coverage for the structure, not just the vehicle
  • Personal property protection for contents inside the unit
  • Personal liability coverage for incidents on your property
  • Coverage for attached structures and improvements, including skirting and awnings
  • Vacancy and seasonal provisions for Winter Texans who are not on-site year-round

Who Qualifies for a Stationary RV Homeowner Policy in Texas

Not every fifth wheel qualifies — and that's by design. This type of policy is written for units that have been permanently placed, not for rigs still being used for travel.


A fifth wheel typically qualifies when it is:


  • Tied down or anchored to the ground
  • Skirted around the base
  • Positioned on a permanent or long-term lot in a park or private property
  • Not being used as a travel vehicle


If your unit meets those conditions, you're not insuring a recreational vehicle — you're insuring a home. We write this coverage for fifth wheels across south Texas park communities and beyond, including units belonging to Winter Texans who return to the same lot each season.

Why a Standard RV Policy Falls Short

Standard RV policies are designed around mobility. When your unit stops moving permanently, the assumptions baked into that policy stop applying — and the gaps can be costly.


A few areas where standard RV policies commonly fall short on permanent placements:

Structural coverage:

Standard policies may cover the vehicle but not the dwelling itself as a structure — a meaningful distinction when wind or water causes damage.

Contents limits:

RV policies often carry lower personal property limits than a homeowner-style policy, which matters when your fifth wheel holds everything you own at that location.

Liability exposure:

A standard RV policy may not provide adequate personal liability coverage for a unit functioning as a residence.

Vacancy and seasonal use:

If you're a Winter Texan away from the unit for months at a time, a standard RV policy may not address vacancy the way a homeowner policy can.

We've worked with carriers writing this coverage for more than 35 years. We know what the policy language says and what it doesn't — and we make sure the coverage matches the way you're actually using the unit.

How We Match Your Fifth Wheel to the Right Policy

We represent every carrier licensed to write manufactured housing and stationary RV coverage in Texas. That means we're not steering you toward one company's product — we're finding the policy that fits your unit, your lot, and your situation.

detached garages, carports, and outbuildings on the same lot

Other structures

Coverage limits, deductible options, and named versus open peril structures vary by carrier. The right combination depends on your home's age, construction, location, and how you use it — primary residence, seasonal home, or rental.

Step 1:

Tell Us About Your Unit

We'll ask about the year, make, size, and how the unit is positioned — tied down, skirted, and whether it's on a permanent lot or seasonal pad.

We'll walk through the structure, contents, liability, and any seasonal use factors that affect how the policy should be written.

Step 2:

Review Your Coverage Needs

Because we work with all carriers licensed in Texas for this coverage type, we can show you real options and explain what each one covers — and where the differences are.

Step 3:

Compare Carrier Options

Once you choose the right fit, we handle the placement and make sure the policy reflects your unit accurately. Accurate information in means accurate coverage out.

Step 3:

Place the Policy

Common Questions About Stationary RV Homeowner Policies in Texas

  • What is a stationary RV homeowner policy?

    A stationary RV homeowner policy is a type of coverage written for fifth wheels and similar units that have been permanently placed on a lot — tied down, skirted, and no longer used for travel. It functions like a homeowner's policy rather than a standard RV policy, covering the structure, personal property, and personal liability in a way that reflects how the unit is actually being used.

  • Is a fifth wheel homeowner policy the same as a standard RV policy?

    No. A standard RV policy is built around a vehicle in motion. A stationary RV homeowner policy is structured around a permanent or semi-permanent residence. The coverage categories, limits, and conditions differ meaningfully — particularly for liability, structural damage, and seasonal vacancy.

  • Can Winter Texans get a stationary RV homeowner policy if they're only in Texas part of the year?

    Yes. Seasonal use is a normal underwriting consideration for this type of policy, and carriers writing this coverage in Texas are familiar with the Winter Texan lifestyle. We'll make sure the policy accounts for the months when the unit is unoccupied so you're not carrying a gap in coverage.

  • What's the difference between a fifth wheel homeowner policy and an RV policy vs. homeowner policy?

    The core difference is how the unit is classified and what the policy is designed to cover. An RV policy treats the unit as a vehicle. A homeowner-style policy treats it as a dwelling. For a permanently placed fifth wheel, the homeowner-style policy is almost always the more appropriate and more complete form of coverage.

  • Does my fifth wheel need to be tied down to qualify?

    In most cases, yes. Carriers writing stationary RV homeowner policies in Texas typically require that the unit be anchored or tied down and skirted as a condition of eligibility. If you're unsure whether your unit qualifies, we can review the details and let you know which carriers would write coverage for your situation.

Ready to Get the Right Coverage for Your Fifth Wheel?

If your fifth wheel is your home in Texas — even part of the year — it deserves a policy written for that reality. We've been placing stationary RV homeowner policies across south Texas for more than three decades, and our bilingual staff is ready to walk you through your options.