Who doesn’t love a good vacation, getting away from it all and exploring, experiencing, and enjoying a new location? Before you pull out, you’re going to want to make sure you’re prepared for everything. This extends beyond bringing enough toilet paper and snacks. What about the travel trailer itself? Do you have to have insurance on a travel trailer? This is an important question to answer before you leave home!
Table of Contents
What is a Travel Trailer?
Do You Have to Have Insurance on a Travel Trailer?
RV Insurance Through Pronto Insurance
What Is a Travel Trailer?
Travel trailers (also known as RVs, fifth-wheel trailers, bumper pull campers, towable campers, truck campers, and camper trailers) are a type of road vehicle that includes living amenities such as sleeping areas. They are a fantastic way to enjoy a recreational lifestyle, which is what is popularly known as the RV lifestyle.
Travel trailers require you to tow them if you’re planning to move. Usually, people use pickup trucks to do so.
Some RVs are driven within the unit itself. You sleep, eat, watch TV, and drive, all within the same vehicle. A travel trailer is pulled behind the truck, you drive to park and enjoy once you arrive at your destination.
Do You Have to Have Insurance on a Travel Trailer?
The answer to this important question is, that it depends. Because they’re not motorized, insurance for travel trailers is optional. Auto insurance coverage may cover many of the costs associated with damage from a travel trailer due to an accident if you have a good policy, so there is no legal requirement to purchase travel trailer insurance.
That is only the case, though, if you own your travel trailer outright. On the other hand, if you’re financing your travel trailer, your lender will require you to carry physical damage coverages. This is very similar to homeowners insurance requirements while you’re still paying a mortgage for your house.
RV Insurance Through Pronto Insurance
Instead of asking “Do you have to have insurance on a travel trailer?” let’s instead ask “What could happen if you don’t have the right insurance coverage?” Could you afford to replace your travel trailer in the event of a catastrophic loss? Does your car insurance type cover it if you’re in an accident while towing it? What about if something happens while it’s parked and not being driven? These questions are too important to go unanswered!
For help understanding all of your insurance needs, reach out to the helpful team at Pronto Insurance. We’re here to provide you with the insurance protection you need, from homeowners insurance coverage to auto insurance to RV insurance and beyond!
