Personal Auto Policy vs. Travel Trailer Policy for Campers

June 5, 2013 at 9:05 AM | Posted in Camper, Insurance Policy, Motor Home, Personal Insurance, Personal Property, Specialty Policy, Travel Trailer | Leave a comment
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If you have a camper that you pull from location to location throughout the summer, there are many different ways you could insure it. You can add it to your auto policy with Collision and Comprehensive coverage providing you with: collision, fire, theft, and falling objects coverage at actual cash value. However, when you insure your camper on a Travel Trailer policy, you’ll get much more coverage – for example, here are some of the coverages an auto policy alone does not provide:

  • Coverage for Attached Accessories such as awnings and satellite dishes.
  • Emergency Expenses coverage that pays for lodging or travel expenses to get back home if your rig is damaged by a covered loss occurring more than 50 miles from home.
  • Campsite/Vacation liability coverage when a travel trailer is used as a secondary residence.
  • Total Loss Replacement coverage protects from the effects of value depreciation.
  • Personal Property coverage for your personal belongings within the camper.
  • Full-Timer coverage provides liability protection similar to a homeowners policy when the camper is parked and being used as a residence.
  • Fire Department Service coverage up to $500.
  • Debris Removal coverage.

In most cases, Travel Trailer policies cost the same as it would to add the camper to your auto policy. If you use your camper as a secondary residence, there may be additional coverage you need. Contact us at 888-850-9400 to discuss your individual needs.


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