Say you’ve got a sweet new travel trailer for camping trips and other outdoorsy activities. Before you hook your new trailer up to your car or truck for a weekend in the woods, you’ll want to make sure it’s protected by insurance, preferably insurance that’s designed for the unique risks and needs that come with owning a camper.
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What is Trailer Insurance:
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You’re responsible for answering any questions relating to your application honestly. If the information is found to be incorrect it could invalidate your insurance and your insurer may not pay out for any claims you make. Always make sure that the policy you’re applying for has the right level of cover and features that you require.
Your regular car insurance will offer you some protection on a trailer that’s hooked up to your vehicle, but it will still leave you unprotected when it comes to damage to your travel trailer. Most major car insurance companies offer specific trailer insurance, which can cover your trailer so you’re not left paying out of pocket for any damage or loss.
What covers Trailer Insurance
If you’ve got a trailer or camper that attaches to your regular car or van, then your your regular car insurance policy will cover your trailer while it’s attached, assuming that you’ve told your insurer about your trailer and it’s listed on your policy. But the liability cover from your car policy would only cover damage or injury that your trailer causes, not damage to your trailer itself. And your car’s other types of coverage, like comprehensive wouldn’t extend to cover your towable camper.
That’s why, if you want your trailer to be covered in case of damage or loss, it makes sense to invest in trailer insurance. Most major car insurance companies offer trailer insurance, and so do smaller brokers do as well.