Travel Trailer Insurance - Can You Really Afford Not To Have It?

Travel trailer insurance is overlooked a lot of times in the excitement of getting a camping home. But whether your RV is new or used, you need some type of insurance coverage on it.

All RV types can be insured. You can customize your insurance at most places to what you want on your policy.

It's kind of like getting vehicle insurance.

You choose your deductible, full coverage, liability coverage, rental coverage, property and bodily injury amounts.

Travel trailer insurance is no different.

If you have insurance on your vehicle, ask your agent if they can provide RV insurance.

Most do. Any insurance can be put into two categories: liability coverage and physical coverage or comprehensive coverage.

Basically, liability covers damage you do to others, comprehensive covers damage you do to others and yourself.

If you have an RV of any style, you will need liability coverage. If your camper is towable, like a bumper pull or fifth wheel camper, you may also need liability coverage along with your vehicle insurance coverage.

Liability insurance is broken down into several categories:

  • Bodily Injury
  • Property Insurance
  • Personal Injury Protection
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Deductibles and Deductible Discounts
  • Bodily Injury provides coverage protection for claims that involve a passenger in your vehicle, a pedestrian or a passenger in any other vehicle.
  • Make sure your protection limit is high enough to cover everything you have in your motorhome. Injuries may not be covered. Be sure to ask your insurance agent, and brainstorm various scenarios to find out what is covered and what is not.
  • Property Insurance provides coverage protection for claims about damage to another's property.
  • The amounts can have a split limit or a combined limit. Ask your agent which is best for you and your type of camper/RV.
  • Personal Injury Protection - Check with your agent to see what this means in your state.
  • Uninsured Motorist Bodily Injury provides coverage protection for injuries that you or another person receive in an accident when the person at fault does not have any insurance or has insurance, but it is not enough to cover your damages.
  • Uninsured Motorists Property Damage provides coverage protection for when your vehicle is damaged by another person's vehicle that does not have insurance.
  • Deductibles and Deductible Discounts are set when you set your insurance limits. The deductible is the amount you have to pay out of pocket when your repairs are made.
  • Be sure to set your deductible at a comfortable amount that you would be able to pay at any time. Generally, the higher the deductible, the less you pay for your travel trailer insurance.
  • The lower the deductible, the more you pay for your insurance.

You can get quotes for Travel trailer insurance online through brokerage firms representing several companies that specialize in this type of coverage.

There are many different options involved in choosing the right policy and coverage amounts, and RV owners are encouraged to do their homework and carefully consider their travel habits and needs.

A thorough review of all coverage provides peace of mind before leaving on your trip or dream vacation in a recreational vehicle.

A good RV policy should provide coverage that goes beyond the standard components. This coverage should be extended to parts and accessories such as awnings and hitches. Since many of the most expensive components are in RV's, consumers should ensure that the policy chosen will provide coverage on a lot of incidental damage to components.

Some insurances and/or warranties cover repair costs, which can be a blessing when the furnace or water heater suddenly stops working. Those who own travel-trailers will want to carefully check all the documentation and insurance, so they can acquire sufficient coverage for their investment.

There are many travel trailer insurance companies. If you are a member of RV associations or clubs, you may be able to get a discount on your insurance.

Some of these clubs may offer insurance. For example, you can get a good deal on your RV trailer insurance with a membership at Good Sam Club.

They are a great membership club - check them out.

You would be surprised at what you get when you join this outstanding club. We have been members for years.

I hope this information has helped you understand a little more about RV trailer insurance now.

If you have insurance questions, call your insurance agent or call the Good Sam Club. Either one can help you.

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