UPDATED: Aug 31, 2020
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Travel trailer insurance covers all types of recreational vehicle designed for touring and camping use, such as:
- Fifth-wheel trailers
- Truck campers
- Pop-up trailers
- Toy haulers
- Camper trailers
It does not, however, cover motor homes. If your vehicle is one you can drive without hitching to a trailer, you’ll need to find motor home insurance.
If your recreational vehicle is a trailer, you can learn all about the benefits and requirements for travel trailer insurance by reading on. And whether you have a trailer or a motor home, you can use our FREE comparison tool to find the best RV insurance rates near you.
What is a travel trailer?
Trailers do not come with a built-in motor, they are portable, and they can be towed on the roads by a motor vehicle. You can drive a stationary trailer if it has an easily operable hitch. The wheels, suspension, and axles must be fully functional. To be an official travel trailer, it needs to have permanent facilities for both sleeping and cooking installed within.
Your monthly quote will vary according to your trailer’s make, model, age, and designed purpose. However, despite these factors, there are trailer owners have found insurance rates as low as $57/month or less. But your total quote is going to depend on several factors, such as:
- Trailer type
- Trailer make and model
- The length of your trailer and its width
- How much you paid for a trailer
- Purpose of use (commercial or private)
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Travel Trailer Insurance Cost and Coverage Options
Why take out an RV trailer insurance policy? Well, the truth is that the automotive coverage you have on the motor vehicle which will be towing your travel trailer might not cover you under all circumstances. And if you have a more expensive trailer, or have any sort of custom accommodations installed, then purchasing this type of coverage can really make a difference in the long run.
One good thing about RV Trailer Insurance is that it automatically comes with Comprehensive coverage. This means that no matter what you travel with, your property inside the trailer is protected, too.
These Travel Trailer Insurance Companies Offer Lowest Prices In Your Area
Coverage Included With Your Policy
Here are some of the coverages that aren’t included in a typical auto policy:
- Comprehensive Coverage – protects you and your travel trailer from accidental, direct, and sudden loss of property or damages. Causes can include weather, collision, animals, vandalism, fire, theft, low branches, and smoke.
- Accessory Coverage – provides coverage for awnings, TV antennas, and satellite dishes.
- Liability Only – If you are found to be at fault in a collision with your travel trailer, this will cover any medical expenses and/or property damage. Coverage limits and requirements vary by state.
- Full Coverage – A package that combines Liability, Comprehensive, and Collision coverage. This protects your RV from damage resulting from landslide, fire, vandalism, windstorm, and theft, plus adds collision coverage.
Get a Travel Trailer Insurance Quote
Your travel trailer insurance doesn’t just cover your trailer – it also takes care of the property inside, should anything happen to it. It also provides medical benefits and pays medical expenses if you or anyone else happens to be injured while operating your trailer. And most travel trailer coverage also offers roadside assistance.
If you think it’ll be difficult to find a custom travel trailer insurance quote from a reputable company, then think again! It’s actually really easy. Just shop around online to compare quotes quickly and easily. It can even help you access money-saving discounts. This will help you get the insurance coverage you need at the lowest possible cost. Traveling with an affordable travel trailer insurance policy ensures that you can travel with confidence.
You can start shopping for a FREE travel trailer insurance quote right now with our comparison tool!