Mackay Insurance Blog
Travel Trailer Insurance Protects Your Home Away From Home
Travel trailers come in all shapes and sizes today. Luckily, so does travel trailer insurance.
And mobile home insurance.
And RV insurance.
And seasonal vehicle insurance!
Sometimes, you just need to get away from it all. To find some peace and calm. To remember why you are working so hard - hustling, skimping on sleep, racing through your weekdays and even your weekends.
The last thing you want is to finally start your long-delayed vacation only to have it interrupted by loss, theft, vandalism or worse. That is what insurance is for!
And that is what this blog post is for too - to help you choose the right insurance for your best vacation yet!
What Is Travel Trailer Insurance?
Travel trailer insurance is a specialized insurance product designed to protect three types of year-round or occasional use vehicles.
Travel trailer insurance covers Class A, B and C motorhomes.
2. Towed trailer
Examples of towed trailers can include:
Pod or tent trailers
Livestock or horse trailer
End even fifth wheels.
3. Stationary trailer
A stationary trailer can be a park model or another permanently parked trailer.
What Does Travel Trailer Insurance Cover?
As you might imagine, there are different levels of travel trailer insurance coverage.
But the product itself is designed to offer protection in three key areas:
1. The travel trailer itself.
The structure of the trailer is covered against loss, theft, damage, vandalism accident or collision.
2. The contents.
Here, "contents" means anything you have stored in or on the travel trailer itself.
Depending on the scope of the coverage, this might mean anything from your clothing and personal items to appliances inside the travel trailer, to frozen food, perishables and more.
Contents can also mean any belongings stored inside a standalone accessory building or storage unit.
3. Loss of use.
If your travel trailer is lost, stolen, damaged, destroyed or otherwise rendered unusable, your travel trailer insurance will provide you with a substitute vehicle or funds you can use towards your choice of transportation.
But Won't My Auto Insurance Policy Cover Me For All This?
This is the tricky part about relying on your existing auto insurance policy to cover your travel trailer as well.
Here in Canada, you are legally required to register your travel trailer, motorhome or stationary trailer. But you are not (at least at the time of publication) required to insure it.
For one simple reason: typically, only the liability portion of auto insurance extends to cover the travel trailer as well. And this coverage only applies if the travel trailer is actually hitched to a covered automobile at the time the claim issue arises.
That leaves a lot of in-between where your travel trailer is not protected at all.
Coverage That You Only Get With Travel Trailer Insurance
It becomes especially critical to look beyond what a standard auto insurance policy can provide when you are using your travel trailer in certain ways.
Lease Location Protection
For example, let's say you decide to lease a semi-permanent or permanent campsite at an RV park or campground where you park your stationary travel trailer.
Fire Damage Service Charges
Or perhaps your travel trailer is damaged or destroyed by fire and the fire department gets involved. Neither your homeowner nor auto insurance policy typically covers fire department assistance charges, which can range up to $1,000 or more.
Vacation Injury Liability
Another all-too-common situation arises when someone gets injured at the vacation site. Who pays for the costs of first aid, clinic or hospital charges for injuries that take place at a temporary vacation site where your travel trailer is parked?
It won't be your auto insurance policy or homeowners insurance policy, that's for sure!
What Other Optional Coverages Are Available for Your Travel Trailer?
Sometimes it just takes sitting down and thinking through possible situations and scenarios to start seeing where travel trailer insurance makes smart financial sense.
In addition to a standard basic travel trailer insurance policy, you can also talk with your Mackay Insurance broker about these optional coverages that may apply.
- Protection against water damage.
- Additional roadside assistance coverage and benefits.
- Coverage if you park your travel trailer on a leased site.
- Coverage if you rent your travel trailer out or are part of a rental share program.
- Increased coverage for liability.
- Guaranteed replacement cost for personal items.
- Guaranteed replacement cost.
This last optional rider is especially important to consider upfront. Should your travel trailer be destroyed, will you have sufficient coverage to replace it in kind?
Choose Your Travel Trailer Insurance Before Purchasing Your Travel Trailer
You don't want to invest in a travel trailer only to discover the insurance coverage you need puts you over budget.
Mackay In Napanee and Belleville Handles Your Travel Trailer Insurance Needs
Do you have fun travel plans for this summer? Canada's summer season is brief and beautiful and you don't want to waste it filing insurance claims!
Not sure what insurance products and coverage levels you really need? Let your friendly Mackay Insurance broker help you review your current coverage to protect your seasonal vehicle!
Learn more about RV insurance, travel trailer insurance and mobile home insurance from the experts!