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Compare travel trailer insurance
Tow along extra protection for liability and physical damage.
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.
Do I need insurance on my travel trailer?
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.
What types of trailers count as travel trailers?
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:
- Cargo trailers
- Fifth wheels
- Horse trailers
- Popup campers
- Truck campers
- Utility trailers
What kind of travel trailer coverage do I need?
Stake out the protection you need while you’re hauling cargo or camping out. Coverage to consider:
- Liability. You might opt for separate coverage from auto insurance for bodily injuries or damage to someone else’s property.
- Campsite or vacation liability. Extend your liability coverage to accidents that happen while your trailer is parked for recreational use, such as a campsite.
- Full-timer liability. Provides liability when your trailer is used as a dwelling for longer periods of time.
- Comprehensive. Protect your trailer from theft, vandalism or natural disasters like hail or storm damage.
- Collision. Make sure you can repair your trailer if you cause damage in an accident.
- Total loss or replacement cost. This coverage replaces you the cost of your trailer without including depreciation. Sometimes, it pays for a brand new trailer.
- Personal accessories. Cover your camping gear and personal belongings from theft, vandalism or damage.
- Attached accessories. Repair expensive attached equipment like awnings or satellite dishes.
- Roadside assistance. Don’t let minor roadside needs like towing, tire or locksmith services interrupt your vacation.
- Emergency expenses. Get reimbursement for lodging and meals if your trailer needs repairs while you’re away from home.
Do different travel trailers have different insurance requirements?
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.
How much does travel trailer insurance cost?
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.
How can I get cheap travel trailer insurance?
Track down savings for a lower travel trailer premium.
- Bundle trailer and auto policies. Many insurers lower your premium when you tie multiple policies together.
- Nab a more specific policy. Cargo trailer policies could cost less than one for general trailers, since cargo haulers are smaller and don’t need vacation liability.
- Check coverage under car and home insurance. You could forgo some coverage if another policy provides that protection. For example, liability might fall under car insurance or personal belongings under home insurance.
- Pay your premium in full. Pay for your policy up front to shave costs quickly and easily.
How do I get travel trailer insurance?
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.
Where do I get travel trailer insurance?
Bottom line
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.
Frequently asked questions about travel trailer insurance
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