Travel trailer insurance policies offer a wide array of coverage options. Here's your guide to getting all the coverage you need.
Is travel trailer coverage legally required?
Currently, no state requires travel trailer insurance.
Still, you may want to consider purchasing a unique travel trailer policy to better protect your finances. Adding your trailer to an existing auto policy may only provide basic liability for your trailer. For more protection, look into a unique, trailer-specific policy that can provide physical damage, comprehensive, and collision coverages, as well as a few additional options. Travel trailer insurance can help you save hundreds or even thousands if you need to file a claim.
I live in my travel trailer. Are there insurance requirements for me?
If you live in your travel trailer, full-timer's coverage will be added to your policy automatically. This comprehensive package offers many of the same coverages bundled in a home insurance policy, including:
- Personal liability
Pays for injuries and property damage. You can purchase up to $500,000 of combined single limit coverage.*
- Medical payments for guests
Pays up to $50,000 for others' medical expenses if they are injured on your property.
- Loss assessment
Pays up to $5,000 for certain assessments charged to full-timers who own or rent property in an association.
- Storage shed contents
Pays up to $5,000 for items stored in a shed owned, leased, or rented by the insured at the time of loss.
*Combined single limit coverage is an alternate form of liability coverage. The average liability coverage is split into 3 distinct limits, one for each person, another for each occurrence, and a third for property damage. Combined single limit coverage unites the 3 limits to define a single maximum amount your insurer will pay on a liability claim.
What basic coverage options are available?
Basic coverage options for a travel trailer include total loss replacement (also called physical damage), comprehensive, and collision coverage.
Total loss coverage provides basic levels of emergency expense and vacation liability coverage (though the latter is not available for full-timers), which you can increase to better fit your lifestyle.
Are there additional coverages I can choose from?
Yes. When you build your policy, you can mix and match the following additional coverages until you have the protection you need:
What are my total loss coverage options?
Through Esurance you have 3 total-loss coverage choices: market value, agreed value, and total loss replacement cost. Each determines the amount of your reimbursement in the event of a total loss.
Total loss is defined as any loss that requires repairs or replacement parts that cost more than the total value of the insured item. You can select which total loss coverage you want when you get your free quote.
- Market value
Pays the current market value of your travel trailer at the time of loss, so depreciation and market trends will affect the total amount you receive.
- Agreed value
Provides you with the trailer's value at the time of purchase if you bought it within the last 2 years. If you purchased your trailer more than 2 years ago, the amount reimbursed will be determined by an appraisal, making this a great option for those who own vintage trailers or other trailers that have increased in value. Agreed value may not be available to all customers.
- Total loss replacement cost
Provides a new, untitled travel trailer if your trailer was 5 years old or less at the time of loss. (Title is a legal form establishing ownership of a vehicle; you'll need to get your title at the local DMV.) You'll receive the purchase price (what you paid for your trailer) for a lost travel trailer more than 5 years old.
Note that total loss replacement cost coverage is only available for new travel trailers.
Will my travel trailer insurance help me if my trailer becomes uninhabitable?
Your total loss coverage comes with $750 of emergency expense coverage. You can use these funds to help with temporary lodgings and transportation back home.
Pleasure users can extend this coverage up to $2,000 for temporary accommodations, transportation expenses, and the cost of getting their travel trailers home if they're more than 50 miles away. Full-time users have the option of increasing this coverage to $7,500 for temporary living quarters and transportation.
Some of my things were damaged in an accident. Will my policy help replace them?
Whether you're a full-time resident or on vacation, you probably store valuable items in your trailer. Thankfully, travel trailer insurance offered through Esurance enables you to buy up to $99,000 of personal effects coverage to help replace your damaged DVD player, busted digital SLR, or even that totaled ATV in what used to be your recreational cargo quarters.
You can take advantage of this coverage for water-, fire-, or smoke-damaged items as well.
Check your policy closely to ensure you're as covered as you'd like to be.
Will my travel trailer insurance help me replace items stolen from my trailer?
Yes, if you have personal effects replacement coverage. This covers you against both damage and theft. Personal effects replacement coverage provides limits starting at $1,000 and ranging up to $99,000.
Does travel trailer insurance include roadside assistance?
It definitely can. Just add roadside assistance to your policy and you'll have access to expert help anytime. This can cover some or all of the cost of towing to the nearest qualified repair facility, plus on-site labor costs for any of the following:
- Mechanical or electrical breakdown
- Battery failure
- Insufficient fuel, oil, water, or other fluid supply
- Flat tire
- Entrapment in snow, mud, water, or sand within 100 feet of the roadway
You'll pay nothing out of pocket for this service, which also extends to cover any vehicle towing your trailer — even if another insurance provider already covers it. And it's available 24/7 throughout the United States and Canada.
I only use my trailer on vacations, so I'm curious about vacation liability coverage. What does it include?
Vacation liability covers bodily injury and property damage liabilities while you're using your trailer as a vacation home. Plus, it can help cover mishaps, such as someone being injured, at your travel trailer's campsite. Your total loss coverage automatically provides $10,000 of vacation liability coverage.
This coverage is only available to pleasure users and can have a limit of up to $500,000.
I was injured when an RV plowed into my trailer. Will my travel trailer insurance help with my medical bills?
If you purchased medical payment coverage, yes. This option can help cover medical bills regardless of who is at fault, and is usually limited to treatments received within the first 3 years after the incident. In some states, medical payment coverage will only kick in after other medical insurance has been exhausted. Limits of $1,000 to $10,000 per person are available.
Travel trailer insurance abroad
I often travel abroad with my trailer. Will I be covered in Canada or Mexico?
If you're heading north of the border, you can select roadside assistance to help with any mishaps while abroad.
Frequent travelers to Mexico should consider buying international insurance. Basic coverage for a Mexican travel trailer policy could include:
- Civil liability insurance (up to $300,000)
- Guaranteed legal and bond assistance, which assists you with the cost of legal assistance in certain covered situations
- Travel assistance, such as medical assistance, tourist information, and towing
- Medical expense payments (up to $25,000)
Covering your animals
I often transport horses in my trailer's cargo quarters. Will my travel trailer insurance help with their medical bills if they're injured while in transport?
No. If you plan to transport horses in your travel trailer, you'll need to insure them through another provider.
I love to travel with my pets. Does my travel trailer insurance protect them?
If you'd like to cover pets staying in your travel trailer, add pet injury coverage to your travel trailer insurance policy. If your pet was injured while in your travel trailer, this coverage provides up to $1,000 to help you cover veterinary bills and medicine. Pet injury coverage is not yet available to residents of North Carolina or New Hampshire, and doesn't extend to horses.
And if you'd like to make sure that your furry friend gets the best veterinary care year-round, consider pet insurance.
A tree branch fell and tore my trailer awning to shreds. Will my travel trailer insurance pay for repairs?
If you have comprehensive coverage on your policy, it can kick in here. Comprehensive coverage is designed to protect permanently installed accessories, meaning your awning would fall under this coverage's umbrella.
Still perplexed? If you have unanswered questions about travel trailer coverage, shoot us an email at email@example.com or post on our Facebook Wall. We'll respond as soon as possible.