Travel Trailer Insurance
Protect your home away from home with comprehensive coverage—whether you're a weekend camper or full-time RV enthusiast traveling across the country.
Protect Your RV Adventure
Get comprehensive coverage tailored to your travel style and RV type.
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 create comprehensive 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
Build the right protection with 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.
Weekend Camper or Full-Timer?
We'll help you find the right coverage level 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 comprehensive 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.
Related Coverage Options
Complete your protection with these related coverages:
Important Information
This information is provided for educational purposes only and does not constitute insurance advice. Travel trailer insurance coverage features, exclusions, and availability may vary by state and insurance carrier.
All coverage is subject to policy terms, conditions, and exclusions. Please review your policy carefully and consult with a licensed insurance professional to determine appropriate coverage for your specific situation.
The Steele Agency is licensed to conduct business in New York State. License information available upon request or at the New York Department of Financial Services website.
Hit the Road with Confidence
Protect your travel trailer investment and enjoy worry-free adventures with coverage tailored to your RV lifestyle.
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
Serving New York RV owners since 1969 • Free quotes • Expert guidance
