Travel Trailer Insurance: Everything You Need to Know in 2022 (2024)

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Travel Trailer Insurance: Everything You Need to Know in 2022 (1)

Travel trailers have become increasingly popular over the past several years. And for good reason!

Travel trailers, including teardrop trailers, caravans & fifth-wheels, are less expensive than their motorhome counterparts. They also don’t need as much maintenance and suffer less from being stored for months at a time.

Best of all: They cost less to insure.With all the things that could go wrong in a home on wheels, having the right insurance on your camper trailer is priceless.

Today, we share everything you need to know to insure your travel trailer with the best RV insurance company and answer some common insurance questions.

Let’s dive in!

Table of Contents

  • Who Has The Best Travel Trailer Insurance?
    • Good Sam RV Insurance
    • Roamly
    • Progressive
    • National General
  • What Does Travel Trailer Insurance Cover?
    • Liability Coverage
    • Collision Coverage
    • Comprehensive Coverage
    • Other RV Insurance Coverage Options
  • How Much Does It Cost to Insure a Travel Trailer?
  • Do You Need Travel Trailer Insurance?

Note: Some of the links in this article are affiliate links. This doesn’t cost you any more than normal. Read our disclaimer for more info.

Who Has The Best Travel Trailer Insurance?

Want to skip right to the best of the best? Here are the highest-rated travel trailer insurance companies of 2022 so far:

Want to learn a little more about these companies? Keep reading.

You’ve invested so much into your travel trailer already. You’ve got it stocked up and are ready to roll — but what happens if you’re involved in a car accident? What if your trailer comes unhitched and hits something?

Will your auto insurance policy cover it? What if your camper is in your driveway and a tornado damages it? Will your home insurance policy cover it?

Travel Trailer Insurance: Everything You Need to Know in 2022 (2)

That’s a lot of questions for camper trailer owners. Not to mention the many insurance companies to choose from. This guide will help you answer some of those questions and choose the best insurance company for you.

You must understand precisely what your home and auto policies cover in regards to your travel trailer.

In general, trailer coverage will vary by state, insurance company, and coverage — just like your car insurance. Some vehicle insurance policies will cover liability on your camper trailer, but not all do.

Most insurance companies will require you to list your trailer on your declarations page to cover it. Some home insurance policies may cover damaged or stolen personal belongings if you park the trailer at home, but some don’t.

Your best bet is to get camper trailer or RV insurance to eliminate gray areas in your coverage. But which is the best insurance company?

Good Sam RV Insurance

Good Sam RV Insurance Agency is a network of insurance companies across the nation. The benefit for you with Good Sam is that you get multiple insurance quotes with one phone call, allowing you to choose the best trailer insurance for your situation.

They offer premium coverage and benefits such as:

  • A single deductible for car and trailer.
  • A single deductible for car and trailer.
  • Storage discounts.
  • Permanent attachment coverage for awnings and satellite dishes.
  • Optional full replacement coverage for RVs and trailers less than five years old.
  • Emergency expense allowance.
  • Personal belonging coverage up to $3,000.

You can even get additional discounts if you are part of the Good Sam Club.

>> Click here to get a free quote from Good Sam.


Roamly is the first insurance company in the industry to provide personal RV insurance that explicitly allows customers to rent out their rig on peer-to-peer marketplaces like Outdoorsy.

Traditional insurance companies don’t allow owners to rent out their RVs due to a commercial use exclusion clause. Roamly on the other hand not only allows owners to rent out their RV, but encourages it by offering owners utilization-based discounts.

With Roamly, owners can turn their idle assets into money-making machines without the fear of losing coverage or having claims denied due to renting. And the more they rent out their rig on Outdoorsy, the more discounts they’ll get on their insurance premiums through Roamly’s Rent and Save Discount.

>> Click here to get a free quote from Roamly. offers many of the same trailer insurance options:

  • Lowered premiums while in storage.
  • Loss replacement.
  • A single deductible if your camper and car are both damaged.
  • Full replacement cost coverages.
  • Storage options.
  • Emergency expense coverage.
  • Permanent attachments are covered.
  • Personal effects coverage.

What sets them apart is that they also offer a diminishing deductible for each year you don’t have a claim. You also have vacation liability in case of injury or property damage while on vacation, as well as coverage for your pet.

>> Click here to get a free quote from


While you may think of Progressive as an auto insurance agency, they also offer RV and travel trailer policies. They cover everything from 40-ft trailers and fifth-wheels down to truck campers and offer many of the same coverage options as above. Additionally, they provide roadside assistance and pet coverages.

>> Click here to get a free quote from Progressive.

National General

National General offers the standard RV and towable camper trailer insurance options. An online portal provides easy access to your policy information and online payments. They also include motorcycle coverage and safe-rider discounts alongside their caravan insurance.

Two services that set them apart are free inspections after a claim repair and low mileage discounts on select coverage options.

Note that Good Sam uses National General’s coverage, so you may see National General on your Good Sam insurance policy.

>> Click here to get a free quote from National General.

What Does Travel Trailer Insurance Cover?

Travel trailer insurance is more comprehensive than vehicle insurance policies. You must consider that insuring a trailer is like insuring a home and a vehicle in one. Let’s take a look at what insurance for caravan and travel trailers covers.

Liability Coverage

Liability coverage for travel trailers is much like that for your car. If there is an accident and you are held liable, your insurance agency will cover some of those injury or damage costs. How much it covers depends on your insurance policy.

Collision Coverage

If you are involved in an accident while you travel, your collision coverage policy will pay to repair damage to your travel trailer. The amount, of course, depends on your policy and deductible.

Comprehensive Coverage

Comprehensive coverage is for damage that may occur outside of a traffic accident. It covers things like vandalism, fire, falling debris, animal damage, weather (hail, flood, high winds), and theft.

Your comprehensive coverage policy is where you will typically see total loss replacement. If your trailer is less than five years old, your insurance company will likely switch it for a new one of similar value if the damage is severe enough.

Other RV Insurance Coverage Options

Liability, collision, and comprehensive options are coverages on your travel trailer insurance that you may be familiar with from your car or home policies. But when you get insurance coverage for your caravan, you must consider additional policy options.

Emergency Expense Coverage: Many policies will pay for lodgings and other costs if you cannot access your travel trailer.

Personal Property Coverage: When you live in your camper, whether you use it full-time or just for vacations, you store many of your personal belongings in it. Content coverage will insure laptops, phones, appliances, jewelry, and similar items in case of theft or damage.

Pet Insurance: Many of us travel with our pets. After all, a family vacation without Fido or Fluffy just isn’t the same. However, when we share our vacation with our animals, they share the risks of travel.

Travel Trailer Insurance: Everything You Need to Know in 2022 (3)

Pet insurance can help cover veterinary bills in case of injury to your pet, or pet care bills in case of harm to you. A pet policy may also help your animal get home if you can’t care for them due to an accident.

How Much Does It Cost to Insure a Travel Trailer?

Travel trailer insurance costs vary, just like car or home insurance, based on several variables:

  • Your state
  • The type of travel trailer you have
  • Your travel trailer’s value
  • The amount of your deductible
  • The amount of coverage you include in your policy

Insurance costs can start for as little as $200 per year.

The best thing you can do is educate yourself about the insurance options available to you. That way, the next time you pack up your travel trailer for a trip, your only worry will be where the road is going to take you.

Enter your zip code below to find the best rates on travel trailer insurance near you:

Do You Need Travel Trailer Insurance?

The short answer: Yes.

While not every state requires that your trailer is insured, most of them do. And chances are, you’ll be visiting a state that requires your camper to be insured if you’re road tripping in an RV.

Additionally, if you have a loan on your camping trailer, the bank will most likely require you to have insurance on your rig.

Ready to insure your travel trailer? Click your state on the map below to find the best deals on RV insurance where you live:

Travel Trailer Insurance: Everything You Need to Know in 2022 (2024)


What to know about camper insurance? ›

RV insurance provides protection if you cause injuries or damages to others, and can also cover the cost of damages to your vehicle if a covered incident occurs. You can choose from a variety of coverages that will differ depending on how you use your vehicle — recreationally or as a full-time residence.

What does comprehensive insurance cover on a travel trailer? ›

Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault.

Is travel trailer insurance worth it? ›

Insurance coverage is essential in many cases. While some states don't require camper Insurance, you should be aware that you may be expected to carry insurance on your camper. There are varying levels of insurance including liability insurance, bodily injury insurance, and property damage insurance.

Do you need collision insurance on a travel trailer? ›

If you outright own your RV, having this coverage is optional. But it's still a good idea to have collision coverage as a way to protect you from paying for expensive damages out of pocket if you're in an accident.

How does trailer insurance work? ›

Trailer insurance covers your trailer when it's damaged due to an accident or natural event, like a storm or flood. It also protects you from financial liability against another party's injury or property damage claims.

How does camper insurance work? ›

RV insurance covers your financial responsibility if you cause an accident, and another driver suffers losses. You can also purchase optional policies that cover your RV against damage, theft and breakdowns.

What does physical damage insurance cover on a travel trailer? ›

Also known as “other than collision,” this coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, failing objects, fire, storms, floods and certain other natural disasters.

Does camper insurance cover leaks? ›

Yes, water damage is covered by RV insurance provided you have comprehensive coverage and your insurer regards it as a covered peril. Your insurer will only pay for water damage that happened unexpectedly. For instance, flash floods will probably be covered.

What is the cheapest RV insurance? ›

Nationwide, Progressive and Allstate are our top three picks for the cheapest RV insurance providers. The cheapest type of RV coverage is liability insurance, which is required for driveable RVs. RV insurance can be as cheap as $125 per year for basic coverage.

What is the best RV insurance for full timers? ›

The best RV insurance for full-timers is offered by Allstate due to their extensive coverage options and many discounts. Our best-rated RV insurance companies offer additional coverage like sound system, pet injury, vacation liability, and full-timer liability insurance.

What kind of insurance do you need for a camper? ›

Because RVs are big vehicles that can do a lot of damage in an accident, you will want to pay special attention to liability coverage. Generally, only an RV insurance policy will cover liability for a motorhome. For a travel trailer, liability coverage is typically provided by the towing vehicle's policy.

Does RV insurance cover water damage? ›

If you carry comprehensive coverage, which covers damage to your vehicle beyond your control, and your motorhome or travel trailer is damaged by water, your RV insurance policy may pay to repair or replace your RV, minus your deductible.

How much does RV insurance typically cost? ›

According to data from the National Automobile Dealers Association (NADA), the average Class A RV insurance policy costs between $1,000 and $1,300 per year, based on 140 days of usage.

Does RV insurance cover hail damage? ›

Comprehensive coverage comes standard on travel trailer policies and is optional for motorhome policies unless you're financing or leasing your motorhome. Without comprehensive coverage on your motorhome policy, damage from hail won't be covered by your RV insurer.

Does RV insurance cover theft? ›

If you carry comprehensive coverage, your RV insurance policy can help pay to replace a stolen RV. Comprehensive coverage typically covers the fair market value of your motorhome or travel trailer against theft and other incidents beyond your control, minus your policy's deductible.

What kind of insurance do you put on a camper? ›

While the specifics of RV insurance requirements differ from state to state, most states require — at a minimum — RV liability insurance for recreational vehicles that have a motor and are self-powered.

What kind of insurance do I need on my camper? ›

Because RVs are big vehicles that can do a lot of damage in an accident, you will want to pay special attention to liability coverage. Generally, only an RV insurance policy will cover liability for a motorhome. For a travel trailer, liability coverage is typically provided by the towing vehicle's policy.

Why is my camper insurance so high? ›

Highly populated areas mean more risk for motor vehicle accidents, which increases your RV insurance cost. Regions prone to catastrophic weather and motor vehicle theft may also be more expensive for RV insurance.

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