Camper Insurance Explained
If you tow a travel trailer, camper, or camping trailer, then you might want to consider travel trailer insurance. Simply tacking your travel trailer onto an existing auto policy is a great way to save and can make billing easier, but what are you getting when you buy a travel trailer policy?
Travel Trailer Insurance Explained
As with other forms of insurance, when you buy travel trailer (camper) insurance you're choosing to help protect your losses in the event of damage incurred directly, suddenly and accidentally as the result of a covered "peril." Depending on your circumstances, your insurance company may help you buy your trailer back!
So, what's typical when it comes to travel trailer insurance?
Unlike a basic auto policy, which may only insure you for damage you cause to others, a travel trailer insurance policy is usually focused on protecting your property. That's not just the trailer itself, but it can also mean your property inside the trailer!
Popular Optional Coverages
When you're in the market for travel trailer insurance, be sure to ask about total loss replacement coverage. Total loss replacement coverage can protect you from the effects of depreciation. If a new-model camper van, motor home or travel trailer is damaged beyond repair within its first five model years, and it's still owned by the original owner, the insurance company may pay to replace it with a brand new one of similar kind and quality. Usually, without this specific coverage, an insurer may only be liable for the cost of the vehicle at the time of the loss.
Living on the road full-time? Full-timer coverage can give you coverage like a homeowner's policy, when your motor home, camper van, or travel trailer is parked and being used as a residence.
Traveling with your pet? Travel worry-free! A travel trailer policy can include optional pet and personal property coverage for the things inside your camper.
If you're currently looking for insurance, find a Foremost® Agent near you or call us at 888-244-8092.
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