Travel Trailers Insurance

Travel trailer insurance. For you, your vehicle, and any passengers, this policy covers everything from accidents to theft. As with automobile insurance, travel trailer insurance must be purchased by law.

Why do I need travel trailer insurance?

If you’ve got a travel trailer or camper that hooks up to your regular car or truck, then your liability coverage from your regular auto insurance policy will cover your trailer while it’s hooked up, assuming that you’ve told your insurer about your travel trailer and it’s listed on your policy declarations page. But the liability coverage from your auto policy would only cover damage or injury that your trailer causes, not damage to your trailer itself. And your car’s other types of coverage, like comprehensive and collision coverage wouldn’t extend to cover your towable camper.

That’s why, if you want your travel trailer to be covered in case of damage or loss, it makes sense to invest in travel trailer insurance. Most major car insurance companies offer travel trailer insurance, and so do smaller, specialty RV insurance providers.

Is travel trailer insurance different from RV insurance?

Yes — travel trailer insurance is meant to cover trailers you have to hook up to your vehicle to tow, while RV insurance usually covers drivable motor homes, which have the same state-by-state minimum insurance requirements as other vehicles. Some insurance carriers may list RV and travel trailer insurance as one product, and then ask you to specify whether your RV is a motorhome or a towable travel trailer when you’re applying.

What does travel trailer insurance cover?

Like with auto insurance, travel trailer insurance breaks down into different types of coverage.

• Comprehensive coverage - Covers damage to your travel trailer that can happen while it’s not being towed, like damage from fire, wind, theft, vandalism, hail, flood and other extreme weather. Also covers impact with an animal.
• Collision coverage - Covers damage to your travel trailer from an accident, no matter who was at fault.
• Emergency expense coverage - Pays for lodging and transportation for you if your travel trailer is damaged and becomes unusable more than a certain distance from your home.
• Campsite/vacation liability - Covers up to a certain amount for bodily injury and property damage that occurs in and around your travel trailer when you’re using it on a vacation.
• Roadside assistance - Covers towing, tire changes, fuel delivery and locksmiths.
• Replacement cost coverage - Covers the loss — up to a certain limit — if personal items in your travel trailer are stolen or damaged.
• Total loss replacement coverage - If your travel trailer is totaled, this coverage pays to replace it with a brand new one.
• Full-timer coverage - If you use your travel trailer as your permanent home, this gives you coverage similar to what you would get from a homeowner’s policy.