Vacation Trailer Insurance

If you’re thinking about getting the holiday trailer or camper ready for use, then its time to dust off the vacation trailer insurance too. Exploring the country and taking the road less travelled is a great escape and worth protecting with appropriate holiday trailer insurance or camper insurance.

Definition of a Vacation Trailer

These recreational vehicles are designed to be towed by a motorized vehicle and do not require the driver to obtain a special license classification. Examples of towable trailers and camper units include:

  • Travel trailer,
  • Folding tent trailer,
  • A ‘fifth wheel’ trailer, or
  • Driving a truck camper.

Each of these detachable trailers or campers would be eligible for vacation trailer insurance, as long as the combination weighs 11,000 kgs (24,250 lbs) or less. Learn more about the insurance requirements of RVs and motor homes.

Towing Your Vacation Trailer

Pulling any type of vacation trailer behind your car or other vehicle requires extra care and attention. You will certainly notice you cannot accelerate as quickly and that means you will not be able to stop as quickly either! Being a cautious driver and towing your trailer safely will definitely help you avoid accidents but for added peace of mind, insurance for your trailer or camper will help keep your vacation on track if an accident, storm or some other mishap occurs.

Insurance Options

You have some choices when it comes to insuring your holiday trailer. You can protect it by:

1) Adding it to your auto insurance policy, or
2) Adding it to your home insurance policy, or
3) Choosing a stand-alone trailer insurance policy.

When you add it to an existing policy, there is an additional charge for the extra coverage. The type and value of your trailer will determine which option will provide the best coverage for you.

Types of Coverage to Consider

  • Liability: Your car insurance covers damage to someone or something else caused by your vacation trailer if you are in an accident, but it does not cover damage to the trailer itself.
  • Collision: This coverage will protect your vacation trailer in case it is damaged in a collision or stolen. But check your home insurance policy first in case it will cover your trailer as property.
  • Stand-Alone Policy: If you have any valuable contents in your trailer, a separate stand-alone policy may be your best choice for appropriate coverage. In addition, a separate policy with the same insurer may be eligible for multi-policy discounts.
  • Replacement Cost Option: Worth considering depending on the value of your trailer, and can be part of a customized stand-alone policy.
  • Emergency Vacation Expenses: Might be needed if you cannot continue to stay in your trailer.

Questions?

Lots of options usually mean lots of questions! If you have any questions or would like a no obligation insurance quote, please call Mitchell & Whale Insurance Brokers at 1-800-731-2228 or email us at info@mitchellwhale.com. We’d be happy to help!

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