Travel Trailer Insurance 101 (The Ultimate Guide)

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Travel Trailer Insurance doesn't have to be complicated. Learn everything you need to know about Travel Trailer Insurance and save money.
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Buying travel trailer insurance is essential, but it can be confusing due to the vast range of trailer types and the different purposes they serve.

Most people assume their trailer is automatically covered by either a home or auto insurance policy, but this isn’t always the case.

Regardless of whether you have a stationary trailer, a horse trailer, or a towable trailer, you’ll want to protect your investment and ensure you have the right type of trailer insurance in place.

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What is a Travel Trailer

What is a Travel Trailer?

Unlike a traditional recreational vehicle (RV) or motor home, a travel trailer is a non-motorized, portable unit that typically serves as a mobile dwelling for camping or recreational purposes.

Because of their intended use, they’ll often contain furnishings, personal property, and in some cases, appliances too.

They present a unique set of risks when insuring them due to their portability and temporary nature.

What are the risks associated with travel trailers?

Owners of travel trailers need to have insurance coverage to protect them against several risks. These include:
  • collision liability
  • collision damage
  • vandalism
  • injury liability
  • medical liability
  • property damage
  • fire
  • Theft

So, not only is there the damage to the trailer itself to cover, but there is also the risk of damage to other vehicles, personal belongings, medical payments, and people to consider.

As such, it’s essential to buy the right level of travel trailer coverage to ensure all of your liabilities are adequately covered.

Does auto insurance cover a travel trailer?

You will usually find that most auto insurance policies will offer a level of coverage for a travel trailer. Most of the time, this is bare and basic coverage only.

Please note that you will not usually get comprehensive coverage for a travel trailer and its entire contents as part of a standard auto insurance policy.

You’ll also need to own the trailer outright for this coverage to apply.

Depending on the value of the items and the trailer itself, you might find that there isn’t enough coverage on your auto policy, and in this case, buying extra travel trailer insurance is best.

If you plan to use a travel trailer, you should always check the terms of your auto insurance policy to make sure you know what is and isn’t covered before you hook it up to your vehicle.

Do you need separate insurance for a travel trailer?

Travel trailer insurance laws vary by state. When you’ve purchased your trailer (of any kind), immediately call your insurance agency and let them know.

This way, they can help you determine if you need separate coverage or whether they can extend your present auto coverage to the trailer being pulled by your auto.

Discuss with them what you plan to do with the trailer, how often you plan to use it, etc.

If you’re merely renting or even borrowing a trailer, it will most likely not be covered under your existing auto policy. It will need to be owned by and registered to you.

Accident involving a travel trailer

Because driving with a trailer connected to your automobile is a bit trickier than “normal” driving, coverage is generally designed with a slant towards assuming that any damage or accidents involving a trailer are in some way connected to the individual actions of the insured driver.

This brings into play liability coverage—involving bodily injuries related to third parties and property damage to another’s property.

Since you own your trailer, general liability coverage won’t help cover your trailer’s costs.

To make sure you know exactly what is covered under your existing auto plan, speak to your insurance agent.

What types of insurance can you buy for a travel trailer?

Different insurers will each have their own terms for insuring travel trailers, but the types of coverage on offer can usually be divided into three main categories.

Liability Coverage for Travel Trailers – This provides you with coverage should the property owner’s indirect or direct actions result in any third-party losses or damage.

Personal Effects Coverage for Travel Trailers – This is typically bought for the items situated in the travel trailer itself, along with covering personal effects while they are outside the travel trailer.

Comprehensive Coverage for Travel Trailers – This type of coverage is the most popular choice for people who want to ensure the equipment, parts, and accessories. It can provide you with coverage for damage caused by vandalism, theft, fire, fall objects, windstorms, floods, explosions, and more.

Most insurance companies will also offer a range of add-ons, where you can build up your level of coverage to include some options:

Emergency Expense Coverage – this could help with the cost of accommodation or travel in the event you are more than 50 miles away from home and your trailer is damaged.

Total Loss Replacement Cost Coverage – If your new travel trailer is declared a total loss within the first five years of its purchase, it can give you a new trailer as a replacement, which will be of similar size and quality.

Towing and/or Roadside Assistance – This can be added to a travel trailer insurance policy and may include locksmith services, towing, fluid delivery, and tire changes.

Campsite Liability Coverage – If your travel trailer is parked and being used for recreational purposes or as a dwelling, this extra coverage could be a suitable add-on to cover your additional liabilities.

Vacation Liability Coverage – Vacation liability coverage (sometimes called “campsite” liability coverage) protects you if someone (other than a family member) is hurt at your campsite or in your RV while it’s parked.

How Do Travel Trailer Insurance Quotes Work?

Before you decide what type of travel trailer coverage you need to buy, you’ll need to be sure of what kind and category of trailer you have.

Not all insurance companies classify trailers the same, but the following is a good guideline:

What are the different types of Travel Trailers?

Motorized Trailers

Motorized trailers (motor homes), consisting of: 

class a motorhome on white background

Class A – The largest drivable RVs

class b motorhome driving in mountains

Class B – Much smaller, and usually the size of a large van, having no slide-out/pull-out features.

Best Travel Trailer Insurance Arkansas

Class C – Motorized or non-motorized; generally, somewhere between A and B in size; possibly have an over-cab extension

Non-Motorized Travel Trailers

Some types of campers and trailers in this category include the following:

travel trailer family vacation on a lake with scenic view

Conventional Trailer – Usually averaging 12-40 feet in length, sometimes have a living area with bathroom, dining area, and sleeping area.

Horse trailer on a farm in arkansas

Horse Trailer – Larger than a cargo trailer and not designed for occupancy by anything other than a horse, or perhaps physical cargo or an ATV.

utility trailer that can be used for small hauling jobs

Cargo or Utility Trailer – A small trailer designed for a small load or perhaps a single horse.

a frame popup camper with couple in a campground in arkansas

Pop-up Campers or Mounted Camper – A camper meant for people, but not generally “towed.” It sits on top of a truck and has extension; in total, typically around 18-21 feet long, and has no bathroom or kitchen area.

Fifth Wheel or Conventional

Fifth-Wheel or Conventional – Quite large and generally have a raised front section that sits over a truck’s bed.

Usually averaging 21-38 feet, they sometimes have multiple slide-out or pull-out areas.

A conventional trailer can often be confused with a motor home due to its size, but the difference is that it is non-motorized. These are sometimes referred to as travel or bumper-pull trailers.

A conventional trailer can often be confused with a motor home due to its size, but the difference is that it is non-motorized. These are sometimes referred to as travel or bumper-pull trailers.

In Summary

Travel trailers and RV insurance can be expensive to buy, but they enable you to have great fun and convenience while away from home.

Be sure you’re adequately covered before you hit the road to make sure you are protecting your equipment, yourselves, and others.

At M&P Insurance, we live and work here in your community, and many of us have travel trailers ourselves!

Stop by or give us a call at (870) 523-6771 and let us help you make sure you have everything in place before setting out on your travels.

We’re friendly, easy to deal with, and offer highly competitive insurance for travel trailers and more!