With summer just around the corner, more people will be using camping trailers when they go travelling through the countryside. Your trailer is part home and part automobile, so how do you ensure it? Fortunately, there is camping trailer insurance. You can insure your trailer in one of two ways: you can insure it as part of your auto or home insurance policy or you can attain special coverage for the trailer. If you choose to go with the former, know that you will only get basic coverage and if you want more, it would probably cost you extra. If you are looking for something more than basic coverage, then you should get camping trailer insurance.
Home and Auto Insurance
If you want to save money, then it’s a good idea to simply add your trailer under the policy of your home or auto insurance. This will give you the most basic coverage for the trailer as well as your possessions inside of the trailer, including collision coverage. It also covers towing costs. Home insurance usually provides coverage for just the possessions.
Camping Trailer Insurance
Camping trailer insurance is much more comprehensive than home or auto insurance. In addition to the coverage mentioned above, you can also get appropriate towing and roadside assistance that may not be covered by auto insurance. Travel trailer insurance policies for possessions can come in three kinds: guaranteed replacement cost, standard replacement cost, and actual cash value. Guaranteed replacement cost replaces your trailer with one similar to the one you lost. Standard replacement cost gets you a new trailer up to the insured value. Actual cash value replaces your unit with one that is of the same fair market value as the one you lost. In addition to these policies, you can also buy liability insurance to cover accidental damage you cause to other trailers.
Is it a Trailer or a Motor Home?
If you own a motorhome that can be driven on its own without being attached to another vehicle, then your motorhome will be covered as a vehicle rather than a camp trailer. Any other unit such as a truck camper or pop up trailer that is dependent on a motor vehicle will be covered under trailer insurance.
There are also cases when you may live in your trailer full time rather than just for the holidays. In such a case you will be considered by insurance companies to be an increased liability risk, and you will need to pay for the appropriate coverage.
Other Factors that Affect Camping Trailer Insurance Rates
There are various factors that go into how much your premium will be for your trailer. One factor that was previously mentioned was the amount of time you spend in the trailer. Insurance companies generally consider the full-time use to be more than six months in a year. The cost also depends on where you intend to travel. If you are travelling to another country (US or Mexico) then you will have to consult with the insurance company to see if you will be covered. If you are renting a trailer, then you need to check with the rental company to see if it is covered or not. You should also check to see if your auto insurance policy will cover rentals.
Tips to Keep Your Trailer Safe
It is important to know your vehicle’s towing restrictions. Check the owner’s manual or consult with the car manufacturer to obtain towing specifications. Conduct a thorough inspection before you hit the road, particularly the hitch system. Ensure that you have a hitch system that is suitable for your trailer. Check both the vehicle and the trailer. Pack your items safely by observing the 60-40 rule: pack 60 percent of the weight of the front and 40 percent to the back. Finally, exercise utmost caution on the road. Your vehicle is towing extra weight so driving will be different; you will also have less manoeuvrability with a trailer attached to your vehicle.
Camping trailers allow you the freedom of movement to fully enjoy the natural beauty that nature has to offer. Whether you live permanently in your own trailer or you are just using it for the summer, you should consider getting the right insurance. There are many things to consider when shopping for insurance, so take a note of what you will need to insure and under what conditions. So to avoid your vacation being ruined by an accident or unfortunate event, obtain the necessary insurance for your camp trailer. At Navigators Insurance, we can help you find the right insurance policy so that you can have peace of mind when travelling through the country. Call to speak with a Navigator’s Insurance representative or come in for a visit. Our qualified and licensed agents will help you find the best rates for your needs.