Your Auto Policy Doesn't Cover What's in the Garage or on the Trailer
Your car insurance was built for the road — not the lake, the campground, or the back pasture. Beadle Insurance helps Lubbock-area families get the right coverage for every vehicle they own, not just the ones with a license plate.
Most people don't find out their auto policy excludes boats, ATVs, and RVs until they need to file a claim. Standard personal auto policies explicitly exclude watercraft, off-road vehicles, and motorhomes during use — and in many cases, during transport as well. A separate recreational vehicle insurance policy is what actually covers hull damage, theft, liability on the water, and property loss. We help you understand exactly what you have and what you're missing before something goes wrong.
We write recreational insurance for clients across Lubbock and the surrounding communities — whether you're keeping a bass boat at Buffalo Springs Lake, pulling a camper out toward Lake Alan Henry on long weekends, or running an ATV on your own property.
Coverage for Every Way You Get Outside
We offer dedicated policies for the three most common recreational vehicles our clients own. Each one is built around how you actually use it — not a one-size-fits-all package.
Boat Insurance
Hull coverage, liability on the water, and protection for your motor and equipment. Whether you're on a local lake or trailering across the state, your boat needs its own policy.
RV Insurance
From travel trailers to Class A motorhomes, RV coverage works differently than auto or homeowners. We'll make sure your rig is covered at the campsite, on the road, and everywhere in between.
ATV Insurance
Your homeowners policy excludes ATV liability — even on your own land. If you're riding off-road, a standalone ATV policy covers you for property damage, injury liability, and physical damage to the machine.
What Does Texas Actually Require?
Texas law does not require liability insurance on personal watercraft or ATVs operated on private property. But "not required" and "not your problem" are two very different things.
Here's what the law says — and what we'd add to it:
- Boats: No state liability insurance requirement, but most marinas and all lenders require coverage as a condition of docking or financing.
- ATVs: No state insurance requirement for private property use, but your homeowners policy excludes ATV liability, which means an injury on your land is an out-of-pocket exposure.
- RVs: If the RV is motorized and driven on public roads, it requires at minimum the same liability coverage as any other motor vehicle under Texas law.
- Campers and trailers: Non-motorized trailers are covered for liability while attached to a tow vehicle, but the trailer itself — and anything inside it — needs separate coverage for physical damage and theft.
We walk through each client's specific situation so you know your actual exposure before you're on the water or on the trail.
Seasonal Use Doesn't Have to Mean Full-Year Rates
If your boat sits in storage eight months out of the year, you shouldn't be paying like it's in the water every day. Recreational policies can be structured for agreed value or seasonal use, which means your premium reflects how you actually use the vehicle. We match coverage to your real situation — not a worst-case assumption.
Frequently Asked Questions About Recreational Insurance in Texas
Does my car insurance cover my boat while I'm towing it?
Your auto policy typically covers liability for the trailer while it's attached to your vehicle — meaning if you cause an accident while towing, your auto liability may apply. But the boat itself, the motor, and the equipment on it are not covered for physical damage under a standard auto policy. You need a separate boat insurance policy for hull coverage, theft, and on-water liability.
Do I need boat insurance in Texas?
Texas does not require boat owners to carry liability insurance by state law. However, if your boat is financed, your lender will require physical damage coverage. Many marinas also require proof of liability coverage before allowing docking. Beyond those requirements, personal liability exposure on the water is real — and an accident involving injury or property damage to another boater can be costly without coverage.
Does homeowners insurance cover my ATV?
Standard homeowners policies exclude ATV liability, even when the ATV is operated entirely on your own property. Some policies may provide limited coverage for theft of the machine itself, but liability for injuries or property damage caused by an ATV is almost universally excluded. A standalone ATV insurance policy fills that gap.
What does RV insurance cover that auto insurance doesn't?
RV insurance covers the living quarters of the vehicle — the interior contents, attached accessories, slide-outs, and personal belongings inside the coach. Auto insurance doesn't cover any of that. RV policies also typically include campsite liability, emergency expense coverage if you're stranded, and full-timer coverage options for those who live in their RV.
Can I get watercraft insurance if I only use my boat a few times a year?
Yes. Recreational policies can be structured for seasonal or agreed-value coverage, which reduces your premium for infrequent use. We'll ask how often you use it, where you store it, and whether it's financed — and build a policy around those answers rather than a generic rate.
Get Covered Before You Head Out
Whether it's a bass boat headed to Buffalo Springs Lake or an ATV you keep on your property outside Lubbock, we'll find you the right recreational vehicle insurance and make sure you actually understand what it covers. Give us a call, stop by, or request a quote online.