Travel trailer insurance
Travel trailer insurance - the Good Sam Insurance Agency difference
Travel trailers, also known as standard or conventional trailers, are a type of trailer you tow with an SUV or truck. Other trailers include fifth wheels, pop-up campers, and toy haulers, but they are often considered their own type of RV.
At the Good Sam Insurance Agency, we understand that each customer is as unique as their RV, which is why we offer comprehensive travel trailer insurance policies that custom fit the rig of your choice.
Why do you need travel trailer insurance?
Traveling with a travel trailer can be an exciting and adventurous way to explore new places. However, an act of nature or a back-up incident can instantly derail your plans. To financially protect yourself from the unexpected, whether on the road, at the campsite, or storing your camper during the off-season, you need travel trailer insurance.
Travel trailer insurance fills in the gaps your auto policy may leave, going a step further with RV-specific coverages unique to you and your travel trailer. From accidents and breakdowns to theft and natural disasters, travel trailer insurance through the Good Sam Insurance Agency offers the coverage you need to stay protected and keep your adventures rolling.
What does insurance for travel trailers cover? What are the benefits?
You'll get standard RV coverages, features and benefits plus other specialized RV benefits explicitly designed for your travel trailer.
- Pay one deductibleif your trailer and tow vehicle are insured on the same policy and involved in a covered accident together.
- Replace your travel trailer if it's declared a total loss in its first five model years when you add full replacement cost coverage.2
- Insure accessories and add-ons, fixed to your travel trailer, like awnings, antennas, and tow kits, for their original cost with permanent attachments coverage.
- Cover personal belongings inside your travel trailer, whether it's clothing, laptops, bicycles, camping gear, or other items you travel with.
- Lower your premium while storing your travel trailer by suspending coverages you don't need and keeping coverage for non-collision events.3
- Protect against others’ campsite injuries in or near your travel trailer during your trip with vacation liability.
- Get help with travel expenses if you have a covered claim with your travel trailer on the road with emergency expense allowance coverage.
- Protect your travel trailer against damage from collision accidents and non-collision events like fire, wind, theft, and vandalism with comprehensive and collision coverages. If you finance your RV, your lender may require these.
Note: If you’re a full-timer living at least half the year in your RV, some of these products and services will vary.
Factors affecting travel trailer insurance costs
How much travel trailer insurance costs depends on several factors like your trailer’s value, how often and where you use it, your driving experience, and your policy’s coverages, limits, and deductibles.
The value of your camper
Your travel trailer's value is a key factor in determining your insurance cost. Its model, size, age, condition, and features help insurers assess how much it would cost to repair or replace your RV if you file a claim. As a result, you could pay more if you have a newer, feature-rich trailer with many bells and whistles. On the other hand, your insurance costs may be lower on a basic, less expensive trailer.
Location and usage
Where and how you use your travel trailer impacts insurance rates. For example, if you live in your RV for long periods, you may need more coverage than someone who takes it for short weekend trips. After all, the longer you travel, the more risks you face. Additionally, if you use or store your trailer in an area more prone to natural disasters or crime, your insurance costs may be higher.
Driving record
Your history on the road plays a role in determining your travel trailer insurance costs. If you have had some claims or traffic violations, or are a new driver without a driving record, you may face higher rates. But, if you have a clean driving record and extensive driving experience, you may be eligible for a lower rate.
Deductibles and coverage limits
Travel trailer insurance policies aren't one size fits all and have varying coverages, limits, and deductibles. Generally speaking, higher deductibles mean lower premiums. And the more you increase your limits, the more you'll pay. In addition, any product and service add-ons will impact your rate. Whatever you choose, ensure you don't leave off anything you genuinely need just for a lower price.
Find the right travel trailer insurance with the Good Sam Insurance Agency.
The Good Sam Insurance Agency has your travel trailer covered. We also love to insure the trucks and SUVs that pull travel trailers and provide a discount. So, prepare for your exciting adventure into the unknown with travel trailer insurance and get a quote today. You could save up to $530 per year when you switch.
Get a free RV insurance quote online or call 1-888-514-1116 to speak one on one with a knowledgeable agent who understands your unique RVing needs today.