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Your travel trailer may not need a policy if its liability falls under your car insurance. However, a car policy probably won’t protect against physical damage, a steep risk for top-dollar tugalongs like fifth wheels.
You might. Car insurance may cover liability if your travel trailer causes damage, but some insurers don’t provide this coverage by default. To make sure, let your insurance company know about your travel trailer and list it on your policy, if needed.
Even if your car insurer does cover liability, it likely doesn’t protect against physical damage to your trailer if you’re at fault in an accident. In addition, you’ll need a separate policy if you have a loan, since your lender probably requires comprehensive, collision and total loss coverage.
The main feature of a travel trailer is that it doesn’t have a motor, so it must be towed behind a vehicle. Examples of trailers or campers that may be considered travel trailers:
Stake out the protection you need while you’re hauling cargo or camping out. Coverage to consider:
Most states have similar requirements for all the towable trailers listed above, like liability or uninsured/underinsured motorist that may be covered by car insurance. However, a loan might require different limits than other travel trailer loans, since these towables can range in value.
Also, consider a specialized cargo or horse trailer policy to cover more specific coverage if you need it, like personal effects or veterinary expenses.
You can expect to pay between $15 and $40 a month for travel trailer insurance. However, your exact premium depends on the size and value of your trailer, and how you use it. For example, you’ll pay more for a decked-out fifth wheel or a trailer you live in full time than for light trailers and occasional camping use.
Track down savings for a lower travel trailer premium.
Applying for travel trailer insurance works similar to other types of insurance. You might fill in details about your trailer’s size, value, make and model. However, this type of policy is less common than car or motorcycle insurance. So you may have to speak with a representative directly rather than quoting online.
While your state might not require separate travel trailer insurance, a policy could help you avoid paying for repairs out of pocket. Scout travel trailer providers to see what coverage might look like for you.
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