What is travel trailer insurance?

Travel trailers afford plenty of opportunity to wander the open road, but the open road isn’t only about fun and exploration. With adventure comes risks. Travel trailer insurance can help many Massachusetts adventurers protect against some of the risks they face.

Travel trailer insurance provides specialized coverage for camper trailers. Policies may protect the trailer, belongings kept in the trailer, and the adventurers towing the trailer from covered risks.

Who in Massachusetts needs to insure their travel trailer?

With travel trailers easily costing thousands or tens of thousands, most Massachusetts residents who have a travel trailer should insure it. These policies can cover most types of towed campers. For example, residents might get a policy for:

• Fifth-wheel campers
• Hard top campers
• Pop-up campers
• Teardrop trailers
• Vintage travel trailers

What coverages does camper trailer insurance offer?

Camper trailer insurance policies can come with a variety of coverages, and the coverages included in a policy can be customized according to a policyholder’s needs. Some coverages are similar to those found in auto policies, while others offer different projections that help when parked somewhere.

Some coverages that are similar to those found in auto policies include:

• Collision Coverage: May cover the travel trailer against damage that occurs during a collision, which is generally defined as an accident with another vehicle.
• Comprehensive Coverage: May cover the travel trailer against damage that occurs during non-collision events, which could include animal strikes, falling trees, theft, fire and other perils.
• Uninsured and Underinsured Motorist Coverage: May cover collisions involving another driver who doesn’t have adequate auto liability insurance coverage.
• Roadside Assistance: May provide help for flat tires and breakdowns that prevent the trailer from being towed. The aid could be a roadside repair, or tow to a nearby automotive repair shop.

Some different coverages that may be helpful include:

• Total Loss Replacement Coverage: May reimburse up to the cost of replacing the trailer if it’s damaged in a collision or other event, as opposed to only reimbursing up to its fair value (which is often less).
• Parked Trailer Coverage: May cover a trailer when it’s parked for an extended period. This might be used instead of comprehensive and collision coverage if a trailer will be stored for a while.
• Emergency Expense Coverage: May cover unanticipated costs if a trip is interrupted due to a covered event. Expenses covered could include lodging, meals and other costs.
• Personal Property Coverage: May cover personal possessions kept in the trailer, such as souvenirs, dishes, camping gear, computers and similar items. This can be important if the policyholder doesn’t have homeowners insurance.
• Liability Coverage: May cover slip and fall accidents occurring in or around the trailer. This too can be an important protection if the policyholder doesn’t have liability coverage through homeowners insurance.
• Full Timers Coverage: May provide additional protections for owners who live in their trailer much of the year.

Does auto insurance cover a travel trailer?

Whether a travel trailer can be insured through an auto insurance policy depends on the auto policy.

Some auto policies provide limited coverage for travel trailers, either as a standard or optional feature. The amount of coverage can be extremely limited, though, as a policy’s coverage might be mainly intended for much cheaper boat and utility trailers.

Some auto policies provide no coverage for travel trailers whatsoever, not even as an optional feature. 

If coverage is available through an auto policy, an insurance agent specializing in travel trailers can check what the terms of the coverage are. If no coverage or insufficient coverage is available, the agent can assist with finding a separate travel trailer policy. 

Purchasing a separate policy allows owners to fully insure their trailer, and to choose other protections if they want any additional ones.

How much does insuring a travel trailer cost?

The cost of insuring a travel trailer depends on multiple factors, not the least of which are several details about the trailer. Insurance companies will want to know the:

• Age of the trailer
• Make and model of the trailer
• Condition of the trailer
• Dimensions of the trailer
• How much the trailer is used
• Drivers who are included in the policy

An independent insurance agent can help check multiple quotes, to see how much insuring a specific trailer will be. 

How can Massachusetts residents get travel trailer insurance?

For help insuring a travel trailer, contact the independent Massachusetts insurance agents at Flavin & Flavin Insurance. We’ll make sure you find travel trailer insurance that’ll protect your trailer well.