But it won’t cover damages to your trailer. It is an extension of the auto policy on the towing vehicle.
But there are different types, or levels, of coverage.
Many insurance companies design specific policies for items that are not covered by their umbrella policies, for example, boats or ATVs. If you want to really protect your investments and your belongings, then consider travel trailer insurance. Leaving gaps in your protection.īecause many states don’t require specific policies for travel trailers, coupled with the fact that the policy on the tow vehicle will extend to the trailer, many people don’t pursue travel trailer insurance. But the coverage limit is much, much less. They typically say something about protecting belongings that aren’t within your home, like a boat or trailer. Occasionally, home policies can cover a travel trailer too. If they don’t have sufficient coverage or no coverage, then it will be on you to pay for the expenses. The damage costs are taken care of but you’re out of luck with your trailer.Īdditionally, if someone else causes damage to your trailer their level of coverage can cause problems for you. For example, if you are driving down the road and your fishtails, swiping the car next to you, the cost of the damage to the other person’s property is covered.īut if your trailer accidentally comes unhitched from your towing vehicle while driving and subsequently hits other drivers and is totaled, it’s a different scenario. This means that any damage caused by your trailer, to people or property, is included in your auto insurance policies liability clause. So the trailer itself isn’t covered but its actions are covered in the case of an accident. But, and this is important but, it is only the liability portion of your coverage. In many cases, your auto policy will extend to cover anything that you are towing, like a trailer. It makes sense then to cover your investment with an insurance policy. If you treat your trailer as your primary residence it is likely that you will put a great deal of money and effort into it. It is generally a good idea to get insurance on your trailer whether it is required or not. Many states require RV insurance, but the requirements for travel trailers are a little unclear.
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