You need to purchase full-timers insurance in the state you have your drivers license and have established your residency. If you are in TX, is that where you are a resident? Many regular insurance companies DO NOT provide full-timers coverage which gives you contents coverage and liability coverage just like a renters or homeowners insurance as well as coverage for the rv and sometimes towed vehicles. We are residents of S Dakota and our mail service recommended someone to us. I have seen many recommend Miller Insurance Agency and you know Good Sam has full-timers coverage also.