Travel trailers are a great way to enjoy the outdoors, but they can also be quite expensive. That’s why many people opt for travel trailer insurance as an affordable alternative to cover the cost of repairs and replacements for your travel trailer. This blog discusses travel trailer insurance in detail.
What’s Travel Trailer Insurance?
Your travel trailer insurance financially protects the physical structure of your trailer against damages from vandalism, fire, collision, and other named perils. It also safeguards your personal items and offers personal liability if you are responsible for property damage or bodily injury to any third party.
Travel trailer insurance can be purchased at any time during your ownership or before you buy the trailer. A good policy will cover the cost of repairs and replacements. It can be difficult to find affordable travel trailer insurance because many insurers do not offer coverage for these vehicles due to their high value. The biggest expense of owning a new or used travel trailer is the cost of buying and insuring it. Discuss with your insurance provider to determine the trailer insurance options available to you.
Related Read: Is Travel Insurance Essential? Here’s What You Need to Know
What sets it apart from regular car insurance?
The key distinction between car and travel trailer insurance is that, unlike car insurance, travel trailer insurance is not required by law. Unless you live in your travel trailer full-time, you are not legally required to carry any type of insurance on it if it does not have a motor and is just towable (class C). In such a case, your travel trailer is covered by your auto insurance’s liability coverage.
However, you’ll need insurance for your trailer or RV if it’s drivable and has a motor, just as you would for your car. Having a drivable, self-powered RV makes it mandatory for you to carry at least the minimum liability requirements applicable to driving a car in your state.
What is usually covered by a travel trailer insurance plan?
Your travel trailer coverage provider will extend a variety of optional protections for specific situations. The following are some of the most prevalent elements of travel trailer policies:
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Liability Insurance
Your auto liability insurance will extend to your trailer if it cannot move independently and does not have a motor. Extended liability policies protect you from claims if a visitor or contractor is injured in your trailer. It doesn’t cover you or your trailer in any scenario.
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Collision Insurance
If your travel trailer is damaged in an accident, collision coverage will compensate you.
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Comprehensive Insurance
If your trailer is damaged in a way other than an accident, comprehensive coverage insurance will compensate you. Damage from fires, vandalism, animals, and severe weather constitute the most typical comprehensive coverage claims.
Travel Trailer Requirements
Your travel trailer is covered by your auto insurance’s liability coverage as long as it can’t be driven independently. If you drive your RV on the road and it is self-powered, you are at least liable for the same minimum liability requirements as apply to driving a car in your state.
How to Evaluate Insurance Service Providers?
It doesn’t have to be difficult to find a reputable travel trailer insurance provider. The following are some characteristics to look for in an insurance provider:
- Your needs are covered: The top travel trailer insurance companies offer a variety of options, so you don’t have to pay for coverage you don’t need.
- Package deals: Most people who own a travel trailer also possess a car, SUV, or truck. To save money on both your auto and trailer insurance, look for companies that offer bundle discounts.
- Additional savings: Customers can choose a higher deductible or take a defensive driving course with the finest insurance carriers to minimize their monthly prices.
Do you have a travel trailer you want to insure? Reach out to our team at Gee Schussler Insurance today for any trailer insurance-related queries and get your personalized travel trailer insurance coverage at affordable prices.
Get Your Travel Trailer Insurance Quote!
