What does travel trailer insurance cover?
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. Collision coverage will pay for repair or replacement if your camper 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 cancelled because the camper broke down. Your travel trailer insurance may 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 camper insurance company about available coverage options and policy endorsements!