Travel trailers, or campers, are perfect for family vacations as well as lake cabin getaways. They are unique and allow you to explore the open road with all of the essentials in tow! As such, travel trailer insurance should be as unique as the campers they cover. Read on for some helpful tips on selecting the best travel trailer and camper insurance for your specific needs!
Travel trailer insurance is often not a requirement since they are not motorized and will need a vehicle towing them. If you have purchased a camper and needed a loan to do so, then your bank will likely require you to carry insurance for the unit.
Since travel trailers are pulled behind cars or pickups, they are not motorized. And since travel trailers can’t move on their own, there is no need to purchase liability insurance for them. Liability coverage will actually extend to the travel trailer from the vehicle pulling it at the time.
While you don’t need to buy liability coverage, buying comprehensive and collision coverage on your camper insurance policy is a smart decision. Comprehensive coverage will pay if your camper needs repairs or needs to be replaced due to situations such as theft, fire, vandalism or hail. Whereas collision coverage will pay for repair or replacement if your travel trailer is damaged in an auto accident. You’ll probably pay a deductible, or out of pocket cost, if your travel trailer is damaged in a covered loss. Once your deductible gets paid, your insurance company will then help cover the remaining cost of the damage.
Along with comprehensive and collision coverage, be sure to ask your travel trailer insurance company about optional coverage choices. Camper insurance, for example, may provide some reimbursement if your vacation is unexpectedly canceled because the camper broke down. Your travel trailer insurance may also pay for towing costs if the travel trailer has a flat tire. If you store personal belongings such as camping supplies and extra clothing in your camper, your camper insurance company can typically add a policy endorsement to cover these personal items. It’s important to ask your insurance company about the available coverage options and policy endorsements!
As mentioned above, there are different levels of auto insurance coverage available, and costs can also vary by state. Liability coverage just covers the damage you cause on other vehicles, property or people. If you choose a collision policy for yourself, you will have protection on your vehicle in an at-fault accident. A comprehensive policy adds protection for issues such as theft, natural disaster, and other non-collision incidents. Other additional coverage can ensure that you have a rental car if needed, the option to tow your vehicle for a certain amount of miles, or it can protect you if you are involved in an accident with an uninsured motorist.
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