As RVers, we know the allure of the open road and the freedom it offers. However, with freedom comes responsibility, including the important decision of securing insurance. If you're unsure whether your travel trailer needs coverage, we can talk you through it.
What even is RV insurance?
RV insurance is a specialized type of insurance designed to cover RVs like your travel trailer, toy hauler, motorhome, fifth wheel, and camper van. For most RVs, insurance coverage is legally required. While travel trailers are often exempt from these requirements, getting RV coverage for your travel trailer can benefit both you and your adventures!
How does RV insurance protect me?
Protection against accidents
Accidents happen, and RV insurance can provide financial protection. With comprehensive and collision coverage, your travel trailer will be protected in case of an accident for repair costs, medical expenses, and liability for any damage you may cause.
Coverage for theft and vandalism
Your travel trailer is valuable. If it gets lost or stolen while you’re without insurance, it could mean a stop to your adventures. With Comprehensive coverage from Progressive, you can get your trailer repaired or replaced with less out-of-pocket expenses.
Natural disasters and weather events
Often exposed to the elements, your RV could be damaged by storms, floods, or other natural disasters. But with Comprehensive coverage, insurance helps cover the cost of the damage.
Doesn’t my auto or home insurance cover my travel trailer?
This is one of the biggest myths surrounding travel trailer insurance. While your home or auto policy can protect your trailer in certain instances, it can also leave you with gaps in your coverage.
For example, your auto policy only covers your trailer while you’re on the road. Meaning if your RV gets vandalized while it’s parked, you’re not covered!
The same goes for home insurance, if you’re on your home’s property it might be covered, but damage from a storm at your local KOA wouldn’t be.
What are the other perks of RV Insurance?
Filling gaps in the coverage of your travel trailer isn’t the only advantage of RV insurance. It also offers:
Specialized coverages
One of the biggest advantages of RV insurance is the unique coverages that aren’t available on a standard auto or homeowner’s policy like:
- Roof Protection Plus: RV roofs are particularly vulnerable to damage from weather, tree branches, and general wear and tear. Roof Protection Plus coverage ensures that repairs or replacements are covered, and yes, even wear and tear can be covered. Leaving you with less out-of-pocket costs.
- Pest Damage Protection: RVs can attract pests like rodents and insects, causing significant damage to the interior and wiring. Pest Damage Protection covers the cost of repairs resulting from such infestations and more.
Confidence on the Road
Having RV insurance for your travel trailer is having the confidence that someone is looking out for you no matter where you roam. From that remote national park to a bustling campground, RV insurance ensures that you have the support and financial protection you need if something goes wrong.
While RV insurance isn’t always legally required, it is a crucial investment in protecting your RV, your finances, and your peace of mind. So, do I really need RV insurance for my travel trailer? The answer is a resounding yes.
