If you’re in the market for travel trailer insurance, are doing some shopping around to see the various options available, or are interested in switching insurance providers, you’ve reached the right place.
Before you set out on your hard-earned vacation with your travel trailer in tow, you have to make sure your backside is covered in the event that an accident, a thunderstorm sent from the depths of hell, or any other freak incident occurs that might cause damage to your trailer. You’ll thank us later that we helped you out with your insurance options beforehand (drinks are on you!).
Before we get ahead of ourselves, though, there are a few things you need to keep in mind when you’re purchasing travel trailer insurance. Consider the following questions:
- What does travel trailer insurance cover?
- How much does it cost?
- Can it be used cross-border?
A lot of stress is involved in planning the ultimate summer vacation. Not only do you have to get your whole entire family together (this can be a whole job on its own), but you have to prepare your trailer, get the time off work, make sure your trailer is big enough to fit all your vacation toys, figure out where you will be parking your trailer, and make sure that you’re covered in the event that anything goes wrong.
The different types of travel trailer insurance
Did you know that in most states, you are not required to have separate insurance from your towing vehicle? Well, newsflash! Now you know!
Because travel trailers cannot be driven themselves and must be towed by another vehicle, the liability insurance that covers the vehicle also covers the trailer.
That being said, liability coverage on car insurance only covers damages that you cause to other people. In the event that there is damage to property, or damage caused by an uninsured person, liability coverage will not protect you (can’t win ’em all!).
This is a scary thought, and we understand why. You’ve just dished out the big bucks for your trailer, and you want to protect it! But have no fear, there is specific travel trailer insurance that offers coverage that your regular car insurance doesn’t provide. All you have to do is purchase additional insurance.
Here’s what you need to know about the different types of travel trailer insurance in 2022 and how it can protect you (and your wallet).
Collision covers any damage that occurs due to an accident. This type of insurance protects your travel trailer in the event that it is destroyed or damaged in an accident with another vehicle.
2. Comprehensive coverage
Comprehensive coverage covers a vehicle for damages caused outside of an accident. This type of coverage will quickly become your best friend in the event that something happens to your trailer. Comprehensive coverage covers any damages to a trailer caused by bad weather, theft, fire vandalism, freak accidents like falling trees, and more.
3. Emergency expenses
Picture this: you’re driving down the road with your travel trailer behind you, whistling your favorite driving tune, and suddenly your trailer comes unhitched. Your spouse is screaming, the kids in the backseat screaming bloody murder, and you watch with dismay as your trailer falls off a cliff (okay we, we exaggerated a bit there, but don’t count anything out!).
In the event that something happens to your trailer and you have no place to sleep, or if the door to the trailer is broken and you have no access to your belongings, this type of coverage can cover the costs associated with hotel expenses.
Medical coverage covers the medical costs incurred if you are in an accident. It also covers the medical costs of any passengers.
5. Uninsured coverage
No more worrying about getting in an accident with someone who isn’t insured! If you’re not at fault for an accident, this coverage will protect you if the other driver isn’t insured. Yay!
6. Campsite/vacation liability
Accidents can occur anywhere. If you’ve ever had your son’s friend fall off the bunk bed in your trailer while playing cops & robbers, you probably know what we mean. This coverage protects you if someone is injured in or around your travel trailer. It also covers you when you are parked.
7. Contents coverage
Well, smartypants, it doesn’t take a genius to realize that contents coverage covers just that – the contents in your trailer. This can include pretty much anything – jewelry, appliances, clothes, your favorite book, Aunt Mary’s china, your childhood teddy bear – you name it and contents coverage will protect it!
8. Pet insurance
Pet insurance?! Is that even a thing?! Well, it is! You didn’t think we’d forget about your precious pets. They don’t call dogs man’s best friend for no reason! If you’re an animal person and consider your pet a part of your family, it’s important to have pet insurance if you take them on vacation with you.
Believe it or not, there are insurance policies that can help get your pet home or to take care of it if you are injured. This type of coverage can cover dog walkers, pet sitters, vet services, and more.
The 9 best travel trailer insurance companies
There are many different insurance companies that offer a range of insurance policies. It’s important to know what you’re looking for when you’re shopping around and to do your homework so that in the event that you need to cash in on your policy, you’re covered. You can look online, ask your friends, and also make some calls to find the policy that’s right for you.
We’ve come up with a helpful list of some of the most well-known insurance companies that cover travel trailer insurance. Of course, the company that you decide on will depend on what you are looking for in terms of coverage, cost, and everything in between.
Here are some of the most popular insurance companies for travel trailer insurance
1. State Farm
State Farm is one of the most popular insurance providers in the country. They are most well known for their exceptional customer service. Their packages include content coverage, comprehensive coverage, and more.
Their agents are known to be extremely knowledgeable in all things related to travel trailer insurance, and they can answer all the questions you have about travel trailer insurance, trailer maintenance, and more. Just like their famous motto states, “like a good neighbor, State Farm is there!” Never gets old, does it?
2. National General
National General is a long-standing and renowned insurance company, having served the country for decades.
With high customer satisfaction and great discounts that make them affordable, National General is a great option if you are looking for a trusted, reliable, but fairly priced insurance provider.
3. Farmers Insurance
Farmer’s has a stationary travel trailer program that offers coverage for travelers living both full and part-time in their travel trailers. They also offer optional RV coverage that covers travel trailers.
4. Good Sam RV Insurance
As one of the most popular travel trailer insurance companies in the country, Good Sam is an experienced and trusted insurance company that is best known for their ability to help first-time RVers.
If you are a first time trailer or RV purchaser and are just learning the ropes, Good Sam is just that – good. They offer stellar customer service and can walk you through everything you need to know about travel trailer insurance to help you find a plan that works for you.
5. Safeco Insurance
Whether you plan on using your travel trailer on a full-time or part-time basis, Safeco has all sorts of options that can meet all your towing needs.
They offer pet coverage, accident forgiveness, personal property coverage, emergency assistance coverage, 24-hour roadside assistance, and more.
Progressive is known for their low rates and add-on policies, which makes them an ideal choice for those of you who like to add more features to your coverage.
They also have policies that include coverage in Mexico, which makes them a great choice for those of you who travel cross-border.
7. The Hartford
Hartford offers travel trailer insurance which includes a variety of options, including medical, towing and rental costs, property damage, and more.
An added bonus with Hartford is that you get a discount if you’re a member of an RV club. They are most well known for their quick response times.
Nationwide offers all sorts of insurance coverage for travel trailers including coverage for custom equipment, awning replacement, vacation liability, safety glass replacement, roadside assistance, and more.
We know you’ve seen those famous commercials – but it’s no word of a lie when they say that fifteen minutes can save you 15% or more!
As one of the most well-known insurance providers in the country, Geico is a great choice if you are looking for a reliable insurance provider that can provide you with many different travel trailer coverage options.
Geico offers an enhanced Motorized RV and towable RV policy in most states, which covers loss replacement, emergency expense coverage, and more.
How much does travel trailer insurance cost?
How much you pay for travel trailer insurance will depend on a variety of different factors. Prices can vary depending on the state you live in, the type of coverage you’re looking for, the make and model of your travel trailer, your driving history, and more.
The good news is that most travel trailer insurance policies are actually pretty affordable, some as low as a few hundreds of dollars a year. No complaints about that!
But beware! The price can go up significantly if you get the maximum coverage. At the end of the day, it is in your best interest to dish out the extra money just so you can have the peace of mind of knowing that you are protected in an accident or other emergency.
This can all go a long way in saving you time, stress, and money down the road. Some coverage can cost you as low as $100-$300 per year. Most policies range between $250 and $500 per year.
Shop around and do your homework. You can also speak to agents directly so they can answer any questions you may have.
Cross border travel trailer insurance
Many people like to take their travel trailers across the border to Mexico or Canada. If you are one of those people, it is vital that you purchase travel trailer insurance that will cover you across the border.
Believe us – you do not want to be in another country and get in an accident or experience an emergency only to realize that your insurance does not cover accidents across the border.
You’re in luck, because most of the above-mentioned insurance companies do offer cross-border insurance. Don’t forget to ask about it when shopping around.
Now that we’ve given you a great rundown of all the different types of travel trailer insurance, it’s time to get the show on the road!
Remember: It’s worth the money to pay a few dollars extra for additional coverage in the event that an emergency occurs. Like they say, it’s better to be safe than sorry.
You never know when an accident, theft, or other emergency may happen, and if you’re protected, you can rest easy knowing that your well-earned vacation will go off without a hitch.