What You Need To Know About Travel Trailer Insurance

TLTR: This blog explores what travel trailer insurance is, why you need it, what the insurance policy covers, and suggests some of the most effective ways to lower its rates.    

You’ve been working hard at your job, completed all your tasks, met all your deadlines, and now you want to go for a weekend getaway with your family and friends to the great outdoors. You could take the easy option and book a flight that’ll take you there, but what’s the fun in that when you have your travel trailer!

A travel trailer certainly lives up to its name when it comes to making you experience the full joy of driving to your travel destination. But, driving has its set of drawbacks! Be it colliding with another vehicle, or water damage, travel trailers can experience a wide range of unexpected damage. Proper travel trailer insurance can help mitigate a lot of the financial stress you could face while driving to your destination.

In this blog

What Is Travel Trailer Insurance? 

As with any motor-powered vehicle, travel trailers may encounter situations that are unique on the road. It can collide with another vehicle, hit a road divider or objects like guard rales and fences. It can also get vandalized, get stolen, and even experience flood damage and damage from fire, lightning, and falling objects. 

Travel trailer insurance provides your vehicle with a financial safety net that can help cover the repairs for any damage that it might face.

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Do You Need Travel Trailer Insurance? 

According to condorferris, over 11% of U.S households own a recreational vehicle. Anyone who has a travel trailer and wants to keep it safe from any damage it might face while on the road, and while in storage needs travel trailer insurance.  

While your car insurance will cover your travel trailer, it will only provide liability coverage.  

This means that if your travel trailer gets into an accident that damage someone’s property or causes bodily injury, your insurance will cover the expenses up to the coverage amount.  

However, it will not cover the damage that your vehicle sustained.  

Your car insurance may cover your travel trailer, but the insurance policy will not cover your travel trailer when it is parked.  

Despite the additional expense, having dedicated insurance for your travel trailer can help you save a lot of money in the long run.       

What Does Travel Trailer Insurance Cover? 

Travel trailer insurance can protect your investment against a wide range of risks. Some of the coverage it provides are:

Collision Coverage 

This coverage will help pay for repairing or replacing your travel trailer if it is damaged during a collision. This can include colliding with another vehicle, a fence or guard rail, or any road dividers.

Comprehensive Coverage

This coverage will financially compensate your trailer against any form of unexpected risk that isn’t associated with a collision. This includes theft, vandalism, fire, wind, lightning, water damage, and damage from falling objects.

All-risk Coverage

Also known as all-perils coverage, this coverage combines collision and comprehensive coverage, or specified perils coverage. It covers your travel trailer against any form of risk that is listed in your policy.

Additional coverage that you can get are:

Liability Coverage 

This coverage will pay for any repairs for damages to property due to your travel trailer. Someone could get injured while inside your trailer and file a claim against you. Liability insurance will cover for any legal expenses that is associated with a liability claim.

This coverage also provides compensation for medical bills and lost income for the injured party.

Contents Coverage 

This will cover the cost of any repair or replacement to your personal belongings that is inside your RV if it is damaged by a covered peril. These can include items like electronic appliances, clothing, and jewelry.

Roadside Assistance Coverage 

This coverage will assist and pay for any expenses incurred as a result of your travel trailer breaking down on the road. This includes a flat tire, run out of gas, or get stranded at the side of the road.


How Does Travel Trailer Insurance Work? 

When you decide to purchase a travel trailer, your insurance provider will first ask for information about you and your vehicle. This includes how old your vehicle is and how often you plan on using it. You can then customize the coverage that you think will best protect your travel trailer. Keep in mind that the more coverage you choose, the higher the rate of premium will be.  

Note: Your state or your lender might mandate some policies. You can add any additional policies that you feel you might need.

How Much Does Travel Trailer Insurance Cost? 

Travel trailer insurance will cost you anywhere from $250 to $500 annually. The exact rate will depend on the company you choose and the number of coverages you include.

Other factors that can affect the rates are the size of the vehicle and how you plan on using it. So, one person’s insurance premium can look totally different to someone else’s

The more your travel trailer costs and the more you use it, the more coverage you will want to have. This will also result in a higher premium.

Customized trailers such as toy haulers are among the highest travel trailers to insure. Adding comprehensive coverage will further add to the total cost. However, just opting for liability coverage will be significantly less expensive.

Some carriers may allow you to insure a smaller trailer under your standard car insurance policy at no additional cost. But because of the vast range of travel trailer types, the price range of insurance coverage is also varied.

Most insurance companies provide price calculators that can help you figure out the cost, depending on your coverage preferences.


Can You Lower The Cost of Your Travel Trailer Insurance?  

Choosing the right coverage type for your travel trailer can be an expensive affair if you’re going into it blind. Thankfully there are quite a few ways that can help you lower your costs. Some of the most effective ways are as follows:  

Ask For Discounts 

If you’re looking to lower your rates, the first thing that you can do is see if your insurance companies offer any sort of discounts.

For example, most carriers offer discounts to people who serve in the military or the academic, government, or healthcare fields.

Skip Collision and Comprehensive Coverage 

If you have an older travel trailer, skipping out on collision and comprehensive coverage might save you a lot of money. This is because older travel trailers tend to be cheaper to repair or replace out-of-pocket than to pay out the premium.

Travel trailers are also used considerably less frequently compared to other smaller everyday vehicles. It means that the chances of an accident affecting the vehicle is also very low.

So, while the chances of an accident are always there, skipping on collision and comprehensive coverage can help save you money.

Pay Your Travel Trailer Insurance Upfront

Most insurance carriers offer discounts if you pay your annual policy upfront instead of splitting your payment in to monthly installments.

Check with your insurance carrier to see if they avail of any sort of discounts if you pay upfront.

Bundle Policies

Insurance companies may also offer significant discounts if you opt to bundle or combine multiple insurance policies.

For example, bundling your travel trailer insurance with homeowners insurance or motorcycle insurance may avail you to significant discounts that can help you save money in the long run.

Maintain A Healthy Credit Score

Your credit score plays an important role in establishing yourself as a reliable and trustworthy client. A spotty credit score signifies that you’ve had a history of accidents and that you’re likely to file for claims in the future. Insurance companies will consider you a high-risk client and set higher rates of premium.

So, maintaining a healthy credit score is seen favorably by insurance providers. It can drastically lower your rates for your travel trailer insurance.

Raise Your Deductibles

You can lower your premium by increasing your deductible (the amount you pay out of pocket before your insurance kicks in.) 

While it can significantly lower the rate of your premium, make it a point to not set it too high that you can’t afford to pay it.

Install Proper Security System

You can also lower your premium if you store your travel trailer in a proper storage facility and install anti-theft security on it.

Compare Travel Trailer Insurance Carriers

One of the best ways to lower your premium is by first comparing your carrier options. Get quotes and compare coverage from at least four or five different insurance companies. Make sure that you’re comparing the same policies and keep a keen eye on their features. This way you can filter out the policy that best fits your budget and needs.

Consult An Insurance Agent 

Perhaps the best way to lower the rate of your travel trailer is by getting assistance from an insurance agent. As professionals in the field, they can closely work with you and assess your budget and needs.

Furthermore, opting for an independent insurance agent or broker can allow them to compare coverage from multiple insurance providers.

So, let us help you find the perfect travel trailer insurance for you. Find an agent near you today.



Travel trailers are prone to road accidents and the cost of repairs can be very high. Having proper travel trailer insurance provides you with a financial safety net you can rely on if you get into an accident.

Fortunately, there are quite a few ways that can help you lower your rates. So, see if you’re eligible for any discounts. You can also try to see if you can get any discounts based on your profession.

Getting an insurance agent to oversee the insurance process can help you save a lot of money and effort. They can implement their knowledge and expertise towards finding the perfect insurance coverage that meets all your needs.

Frequently Asked Questions (FAQs)

Does Travel Trailers Insurance Cover Water Damage?

Insurance providers are not required by law to provide water damage in recreational vehicles. You can add water damage as additional coverage to your general travel trailer insurance. Opting for a comprehensive policy with full water damage can provide you with the protection you need.  

Who Offers The Best Travel Trailer Insurance?

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