Here’s What You Need to Know:
Travel trailer insurance has similar inclusions as compared to automobile insurance coverage, but it is more comprehensive and specialized for trailer owners.
Types of Coverage Available
- Comprehensive/Collision Coverage – Protects your RV from damages, such as fire, landslide, windstorm, vandalism and collision with another vehicle or objects.
- Liability-Only Travel Trailer Policy – Protects against accidental damage to other people’s property or personal injury to individuals not listed on your policy.
Additional Endorsements
Consider also purchasing these endorsements for added protection:
- Towing and Roadside Assistance
- Emergency Expenses – Protection in case of a breakdown or damage to your travel trailer
- Total Loss Replacement
- Accessories Endorsements – For items attached to your trailer, such as satellite dishes, antennas and awnings
- Full-Timer Trailer Coverage – For those who live in their travel trailer most of the year
- Campsite/Vacation Liability – Coverage while your travel trailer is parked in an RV park
- Low Branch Collision – Protection against damages from low-hanging branches to your trailer, awnings and air conditioning unit
What Kind Of Wheels Are You Driving Or Towing?
Travel trailer or RV coverage will provide protection for the following vehicles:
- Fifth-wheels
- Pop-up campers
- Stationary travel trailers
- Park model travel trailers
- Truck-mounted campers
What Are the Benefits of a Travel Trailer Policy?
Since your trailer is more than just your vehicle, you need insurance that covers more than a typical auto insurance policy. Consider this:
- You store things in your travel trailer that you would not keep in your car, including jewelry, a computer, television, outdoor camping gear or a camcorder.
- When parking your trailer at a campsite, you are liable for other people’s safety around your trailer.
- If you have an accident while travelling, you will need a place to stay while the trailer is being repaired.
Without an insurance policy, none of these would be covered in the event of a loss. You should always discuss coverage options with your Agent or come in to any FBinsure office. Not all carriers offer the same coverage options.
