Towables
Travel Trailer, 5th Wheel & Camper Coverage
Travel trailer insurance and Camper insurance provide coverage for non motorized, portable units designed to provide you with living quarters for recreational and camping use. Travel trailers and campers do not require special highway permits when towed.
Our policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV polices offered by other companies.
These coverages include:
- Comprehensive coverage for protection from just about any direct, sudden and accidental loss, including collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
- Coverage for attached accessories, including awnings, satellite dishes and TV antennas.
- Emergency expenses coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
- Campsite/vacation liability coverage that provides liability coverage when you are parked and using your travel trailer as a residence.
- Total Loss Replacement coverage that protects your travel trailer from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, and you are the original owner, we will pay to replace it with a brand new one of similar kind and quality – no matter what it costs as long as you replace the travel trailer. In years six through ten, we will give you up to what you paid for it originally toward the purchase of another travel trailer. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your travel trailer at the time it is destroyed. That is the current value of your travel trailer.
- Replacement cost coverage on personal belongings that are destroyed or stolen.
- Towing and roadside assistance that eliminates the hassle of buying a separate towing plan. Available 24 hours a day, 365 days a year everywhere in the US and Canada, towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free call away. An experienced representative will find you the help you need using a vast network of more than 20,000 authorized service providers and qualified repair facilities. There are no out of pocket payments required. Just sign and drive. What’s more, your travel trailer and your tow vehicle are covered, regardless of who is driving.
- Full timer coverage that provides liability protection very similar to a homeowner’s policy. While an auto policy will only provide liability protection when you are using your RV as a vehicle, a full-timer policy covers you when you are parked and using your rig as a residence too.
Fifth-Wheel
A special option for fifth wheelers is that we can insure your medium duty tow truck you use to tow your fifth wheel travel trailer, provided that the medium duty tow truck’s GVWR exceeds 10,000 pounds.
A special program for stationary travel trailers that gives you extensive comprehensive and contents coverage if you use your travel trailer as a seasonal or permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowner’s policies may not extend coverage to you.
