Traveling out on the open road in a travel trailer is a dream that millions of people share. Many of them are fortunate enough realize that dream. Some do so as weekend warriors, out to pack as much fun as they can into the short space of a weekend. Others take a year off to travel, leaving their job and other obligations for a life on the road. Still others wait until they retire, then take off for months or years at a time.
Regardless of the way you travel or for what reasons, if you who own a travel trailer you know that the safe bet is to get it insured. In a way, insurance for travel trailers is a bit like insuring a home AND a vehicle at the same time. For this, special travel trailer insurance is needed.
If you own a travel trailer want to buy insurance before you get out there on the road, here are 5 things to look for when shopping for insurance for travel trailers:
1. Determine which type of towable vehicle you have or plan to buy:
Travel trailers differ from motorized recreational vehicles (RVs) only in one important way: they lack their own internal motor and braking system. These trailers must be attached to and/or towed behind another vehicle such as a van or pickup truck.
Towable recreational vehicles generally fall into one of three categories: travel trailers, folding camping trailers/pop-ups, and truck campers. In case you are not 100% sure exactly which type you will be buying or which type you own, here are brief descriptions of each:
* travel trailers: these range in size from 10 to 35 feet long. They have a hard outer shell and sometimes have extendible sides to create a larger living space.
* folding camping trailers/pop-ups: these are the least-expensive type of RV. As the name implies, they pop-up or unfold during setup.
* truck campers: also called slide-on campers, truck campers clamp onto the back of a pickup truck.
2. Decide which types of coverage you will need:
RV insurance has many of the same types of coverage options as does traditional car/auto insurance. Options that you have available to you include: uninsured motorist, accessory coverage, liability, and unlimited towing coverage.
3. Think about any additional types of specialty coverage you may need:
In addition to the standard types of coverage available that are listed above, you will also have the opportunity to purchase any of a number of specialty insurance coverage items, such as: total loss replacement, 24/7 roadside assistance, emergency expenses, full-timer coverage, fire, flood & theft, low branch collision, and personal items replacement. Choose those that meet your anticipated needs.
4. Understand that you should look for a specialty RV insurance firm:
As you shop for the best travel trailer insurance rates, make sure to get quotations from multiple insurers. In particular, get quotes from a mix of insurance company types, including from those that specialize in RV insurance and from one or more of the larger, general auto insurance companies. You never know where the best rate will come from.
5. Shop and compare quotes with at least 3-5 insurers:
Make sure you compare quotes from at least 3-5 insurance companies. It is very important that you get equivalent (apples-to-apples) quotes from each company so that you can easily compare their rates.