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frequently asked questions

getting a quote on travel trailer insurance

Requesting your travel trailer insurance quote through Esurance is a snap. This information will make the process even easier.

Travel trailer basics

Requesting your travel trailer insurance quote

Where, when, and how many

Travel trailer basics

What types of trailers can I insure?

Travel trailer insurance offered through Esurance covers many trailer types, from deluxe fifth wheels to simple, economical pop-up tent trailers. We can help you cover your:

  • Camper
  • Pop-up
  • Fifth wheel
  • Toy hauler
  • Conventional trailer
  • Mounted truck camper
  • Trailer with recreational cargo quarters

So whether you plan to tour the country with a classic Airstream or just enjoy the ease of a mounted truck camper, chances are you can find affordable travel trailer insurance through Esurance.

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How is a travel trailer different from an RV?

A travel trailer differs from an RV in that it doesn't have a motor. Instead, you haul your travel trailer with a car or truck. While many travel trailers contain the same amenities as RVs, you only need cooking and sleeping facilities in yours to insure it through Esurance.

Travel trailer insurance provides many of the same coverage options available for RVs.

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Do I need travel trailer insurance?

While you can cover your travel trailer under your auto policy, a unique travel trailer policy can save you money if you need to file a claim by providing broader coverage, including:

  • Coverage for mishaps near your trailer when parked at a campsite
  • Funds for lodging if your trailer is damaged while you're on vacation
  • Replacement cost for lost or damaged possessions stored in your trailer

A travel trailer covered under your auto policy will only have basic liability protection, meaning you can't benefit from any of the following coverages:

  • Total loss recovery/agreed value
  • Emergency expense
  • Vacation liability
  • Personal effects replacement
  • Full-timer's package
  • Roadside assistance
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What insurance do I need for my travel trailer?

This depends on how you intend to use your travel trailer. If you're a road warrior who sometimes hits the nation's campgrounds with your Adirondack, you may want to consider vacation liability, roadside assistance, and related coverages. On the other hand, if your travel trailer is your primary residence, you might consider the full-timer's package.

An experienced policy rep can help you select the coverages you need when you
get your travel trailer insurance quote.

Please note that travel trailer insurance for a permanently parked trailer isn't available through Esurance.

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I use my trailer for commercial purposes. Can you cover me?

Yes, you can get commercial travel trailer insurance through Esurance.

Call 1-866-455-1980 to speak to an experienced commercial lines representative. We're available Monday through Saturday from 5 a.m. to 8 p.m., PT.

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Requesting your travel trailer insurance quote

Where can I get my travel trailer insurance quote?

You can get your travel trailer insurance quote online anytime — and it only takes a couple of minutes. You can also speak with an experienced agent at 1-866-455-1980. Agents are available Monday through Saturday from 5 a.m. to 8 p.m., PT.

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What info will I need to get a travel trailer insurance quote?

The more information you have, the easier it is to get your quote. Try to have as much of the following at hand:

  • Details on the travel trailer you want to insure:
    • Age
    • Make
    • Model
    • Condition
    • Dimensions
  • The names of drivers you want included on the policy
  • Your current or most recent insurer's information
  • Details on your trailer's safety devices — these may help you save on your premium

We also recommend having details on what you plan to store in your travel trailer while you're on the road. This will help you customize your personal effects replacement coverage limits.

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Can I get a travel trailer insurance quote if I haven't bought my trailer yet?

Sure, but you'll need the same info detailed above to get the most accurate quote possible.

When you get your quote, an agent can help you decide what limits, deductibles, and coverages work best for your desired trailer. And if you're uncertain about the model you want, you can still get ballpark figures for the type of trailer you're interested in.

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What do I need to know to compare my travel trailer insurance options?

In addition to the quoted rate, make sure you compare limits, deductibles, and coverages. Otherwise, you'll compare apples to oranges, and may end up selecting a policy that doesn't fit your needs.

Remember, you're balancing cost against risk. The policy with the cheapest monthly payment may leave you paying more out of pocket if a mishap occurs, and could end up costing you more in the long run.

Keep your intentions for the travel trailer in mind when getting your quote, and add coverages that match your needs. If your trailer will be your primary residence, for example, you may not need coverages intended for vacation or on-the-road use.

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Where, when, and how many

Can I get travel trailer insurance through Esurance in my state?

You can buy travel trailer insurance through Esurance throughout the United States, except in Hawaii and Washington, D.C.

Keep in mind that your state has specific coverage requirements. You can learn more about your options when you get your travel trailer insurance quote.

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How many trailers can I cover on one travel trailer insurance policy?

A single travel trailer insurance policy through Esurance can protect as many as 4 travel trailers.

The more travel trailers you insure under a single policy, the higher the savings. You can get a discount of 10 to 35 percent based on the number of trailers covered.

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If I buy travel trailer insurance through Esurance, how soon will my trailer be protected?

Your travel trailer will be covered on your policy's effective date, or start date, which you can specify during the quoting process.

If you currently have a policy with another provider, schedule your start date to coincide with your policy's end date to avoid a lapse in coverage. Gaps in insurance coverage can raise your premiums.

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Still have questions about travel trailer insurance? Just shoot us an email at partnerproducts@esurance.com or post on our Facebook Wall. We'll get you an answer fast.

This page is intended to provide you with general information about travel trailer insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.