Trusted by NY RV Owners Since 1969
Travel Trailer Insurance
Protect your home away from home with coverage options for towable RVs—whether you're a weekend camper or full-time RV enthusiast traveling across the country.
- Collision & Comprehensive
- Personal Contents Coverage
- 24/7 Roadside Assistance
- Millions
- of American households own an RV
- Significant Investment
- New travel trailers often represent a major purchase
- Frequent Travel
- Many RV owners travel several weeks each year
Your Auto Policy Doesn't Fully Cover Your Trailer
Many trailer owners assume their auto insurance provides complete protection. While your auto policy typically extends liability coverage to your trailer while towing, it usually does not cover physical damageto the trailer itself. If your trailer is damaged in an accident, stolen from storage, or vandalized at a campground, you need a separate travel trailer policy for proper protection.
What Is Travel Trailer Insurance?
Travel trailer insurance provides protection specifically designed for towable recreational vehicles. Unlike auto insurance, which focuses on motorized vehicles, trailer insurance covers the unique risks associated with RVs—from towing accidents to campground liability.
Coverage can be customized based on how you use your trailer. Weekend campers have different needs than full-timers who live in their RV year-round. Specialty coverages like vacation liability, personal effects, and emergency expenses can be added to broaden your protection.
Many insurers offer RV-specific policies that include benefits like 24/7 roadside assistance, campsite/vacation liability, total loss replacement, and coverage for attached accessories and awnings— protections you won't find in a standard auto policy.
RV Types We Cover
- Travel trailers
- Fifth wheel trailers
- Pop-up/folding campers
- Toy haulers
- Truck campers
- Class A/B/C motorhomes
- Teardrop trailers
Travel Trailer Coverage Options
Explore these coverage components:
Physical Damage
Collision and comprehensive coverage for your trailer. Protects against accidents, theft, vandalism, fire, storms, and other damage whether you're towing or parked.
Liability Coverage
Protects you if someone is injured or property is damaged due to your trailer. Includes both while towing and while parked at a campsite (vacation liability).
Personal Effects
Coverage for your belongings inside the trailer—clothing, electronics, camping gear, and other personal items. Limits typically range from $3,000 to $10,000+.
Roadside Assistance
24/7 help for tire changes, battery service, fuel delivery, lockout service, and towing. RV-specific coverage handles larger vehicles that standard auto clubs can't.
Emergency Expenses
Covers lodging, meals, and transportation if your RV is damaged and uninhabitable during a trip. Essential for extended travel when you can't simply drive home.
Total Loss Replacement
Replaces your RV with a new one of like kind and quality if totaled in the first few years. Protects against rapid depreciation of new recreational vehicles.
What's Typically Covered—and Common Exclusions
Typically Covered
- Collision Damage — Accidents while towing, backing up, or parked at a campsite.
- Theft & Vandalism — Protection when stored at home, in storage facilities, or at campgrounds.
- Weather Damage — Hail, wind, flooding, fallen trees, and other severe weather events.
- Fire Damage — Fires from any cause, including electrical issues and propane leaks.
- Attached Accessories — Awnings, satellite dishes, generators, and permanently attached equipment.
- Vacation Liability — Injuries to others at your campsite, not just while driving.
Common Exclusions
- Mechanical Breakdown — Normal wear and tear, mechanical failures, and appliance breakdowns.
- Manufacturer Defects — Problems due to faulty design or construction (warranty issues).
- Pest/Rodent Damage — Damage from mice, insects, or other pests during storage.
- Rental Income — Lost rental income if you rent out your RV (requires commercial policy).
- Improper Towing Setup — Damage from exceeding tow capacity or improper hitching.
- Mold (typically) — Water damage and mold may have limited coverage or exclusions.
Covered causes and exclusions vary by carrier and policy. Always refer to the policy as issued for the controlling terms.
Weekend Camper or Full-Timer?
We can help you explore coverage options for your RV lifestyle.
Full-Timer RV Insurance
If you live in your RV full-time, you need specialized coverage that treats your RV as your primary residence:
Full-Timer Coverage Includes:
- Personal Liability - Like homeowners insurance
- Higher Contents Limits - For all your belongings
- Loss of Use - Temporary housing if RV is damaged
- Medical Payments - Guest injuries at your RV
- Comprehensive Coverage - All-risk protection
- Extended Personal Property - Electronics, jewelry
- Attached Structures - Decks, screen rooms
- Higher Limits Overall - Reflects true value
Full-timer policies typically cost more than recreational-use policies but provide essential homeowner-type protections for those who live on the road.
What Affects Travel Trailer Insurance Costs?
Factors That Increase Premiums
- Higher RV value
- Full-time living status
- Extensive travel (more miles = more risk)
- Stored outside/not in secure facility
- Higher coverage limits
- Custom upgrades and modifications
Ways to Reduce Premiums
- Bundle with auto/home insurance
- Store in secure, covered facility
- Take RV safety courses
- Install anti-theft devices
- Choose higher deductibles
- Pay annually vs. monthly
Frequently Asked Questions About Travel Trailer Insurance
Do I need separate insurance for my travel trailer?
Yes, travel trailers typically require separate insurance from your auto policy. While your auto policy may provide limited liability coverage while towing, a dedicated travel trailer policy provides broader protection including collision, comprehensive, and contents coverage while traveling and in storage.
Does my auto insurance cover my travel trailer while towing?
Your auto insurance typically extends liability coverage to your trailer while being towed, but it usually does not cover physical damage to the trailer itself. You need a separate travel trailer policy for collision, comprehensive, and contents coverage.
What is full-timer RV insurance?
Full-timer insurance is specialized coverage for people who live in their RV as their primary residence. It includes features similar to homeowners insurance, such as personal liability, personal property coverage, and loss of use coverage if your RV becomes uninhabitable.
Is my personal property inside the trailer covered?
Basic travel trailer policies may provide limited personal property coverage (often $1,000-$3,000). For better protection of belongings inside your trailer, you can add personal effects coverage or choose a policy with higher contents limits. Full-timers need more comprehensive contents coverage.
Does travel trailer insurance cover me while camping?
Yes, travel trailer insurance covers your trailer while parked at campgrounds, including protection against theft, vandalism, weather damage, and liability. Some policies also cover attached structures like awnings, and may include vacation liability coverage at the campsite.
Our RV Insurance Services Include:
- Coverage for all types of travel trailers and RVs
- Full-timer policies for those living on the road
- 24/7 roadside assistance options
- Competitive rates from specialty RV insurers
- Bundle discounts with auto and home policies
Important Information
This information is provided for general educational purposes only and does not constitute insurance advice or policy recommendations. Coverage features described are examples and may not be available in all policies or from all carriers. Actual coverage is subject to the terms, conditions, and exclusions of the policy as issued. Please consult with a licensed insurance professional to discuss your specific coverage needs and options. Stan Steele Agency is licensed in New York State (NYS Insurance License Nos. PC-665308, BR-665308, LA-665308).
Hit the Road with Confidence
Explore coverage options designed to help protect your travel trailer investment, so you can focus on the adventure.