Travel Trailer Insurance
It might surprise you to learn that your trailer might not be covered under your. A travel trailer isn’t just an accessory to your car; it’s also a home. So if you want to take to the open road, be sure that you’re protected!
There is a wide variety of coverage available to the travel trailer owner, and what you buy should depend on your needs. First, you should choose a specialized policy. This policy can include certain coverage that an auto policy wouldn’t, such as: total loss replacement, replacement of, “fulltimer” liability, campsite liability, emergency expenses, towing coverage, coverage for fixtures such as awnings you might attach to your trailer later, and the ability to suspend coverage if your trailer is in storage. There is also coverage similar to those you might find on your homeowner’s insurance, such as fire and flood coverage, and coverage you would find on your auto insurance, such as collision. An insurance company may use different names to describe these coverages, so be sure to talk to your insurer and learn which coverage does what.
“Total loss replacement” will cover buyers of new RVs and will replace the RV with a new model for the first five years of that model’s life. “Fulltimer” liability is for trailer owners who intend to use their trailer as a long-term living space. Because a trailer is different from a “sticks and bricks” home, there are special insurance considerations that need to be taken into account. After all, a house doesn’t have to deal with bad road conditions! A “fulltimer” policy will cover the trailer both when it is on the road and when it is parked at a campsite or other location.
Similarly, if you’re going to be on a campsite for a long period of time, campsite liability will cover your special needs. Emergency expenses will cover expenses incurred by any emergency you’ll encounter on the road, and towing coverage will pay for the specialty towing that might be required.
Be sure to check your conditions closely. A travel trailer will be subject to different conditions when it is on the road compared to when it is parked somewhere, and this could make the difference between a company paying out your policy and withholding it.
Remember, RVing should always be safe for you and your family. With some preparation and asking the right questions, all the wonders of the road are waiting for you!
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