Progressive filed a revised Texas recreational vehicle rate and rule update that would lower overall rates by 4.5%, including a 3.2% decrease for motor homes and a 4.9% decrease for travel trailers. The filing applies to about 155,496 policyholders and roughly $151.3 million in written premium, with new business changes scheduled to take effect May 29, 2026 and renewals on July 8, 2026.
Beyond the rate decrease, the filing includes several competitive product changes. Progressive is expanding emergency expense limit options, broadening the travel trailer symbol set, raising travel trailer value acceptability to $500,000, increasing motor home value acceptability to $1.5 million, and extending eligibility for campervans that were manufactured without bathrooms. The company is also renaming its Claim Free Renewal Discount to Claim Free Discount and making it available to both new and renewal business. Additional rating updates include the introduction of driver count utilization and separating bodily injury and property damage into distinct base rates.
One notable vendor-related change is Progressive’s removal of CoreLogic from the rating structure, replacing it with a revised hail rating modification. The change suggests an adjustment in how the company evaluates weather exposure in Texas, particularly hail risk, which is a major driver of RV physical damage losses. While CoreLogic is being removed, the filing still references the use of third party data and models, indicating Progressive continues to rely on external analytics in its rating framework.
The filing also contains several competitive signals. Progressive explicitly references USAA in its association discount structure, offering a 5% discount on motor home liability and physical damage coverages and a 5% collision and comprehensive discount for travel trailer policies tied to USAA membership.
Distribution strategy also appears in the filing. Progressive applies different initial quote source factors based on acquisition channel, including agency, internet, national accounts, and phone. For motor homes, agency business receives more favorable factors than internet or phone business on several coverages, while travel trailer factors vary by coverage type.
On underwriting, Progressive clarified certain risk exclusions. The program does not cover recreational vehicles used for business purposes, rentals, or stationary vacation rentals through platforms such as Airbnb or VRBO. At the same time, the company expanded eligibility for certain campervan risks and higher value units, signaling a focus on higher-end and specialty RV exposures while avoiding sharing economy usage.
The filing also highlights the breadth of the RV product design. Available coverages include Emergency Expense, Full Timer’s Package, Mexico physical damage coverage, Pest Damage Protection, Roof Protection Plus, roadside assistance, scheduled personal effects, secured personal effects, vacation liability, and shed content trailer coverage. These options position the program as a comprehensive RV insurance package rather than a basic auto-style policy.