What Is Travel Trailer Insurance? – Policygenius (2024)

Travel trailer insurance is a special type of insurance coverage designed to cover damage to a recreational trailer you tow behind your car or truck. Pop-up campers, fifth-wheels, and slide-on campers — basically anything without its own motor is considered a travel trailer.

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Depending on your insurance company, travel trailer insurance can either be an add-on (or endorsem*nt) to your existing car insurance policy, a standalone policy, or a separate type of RV policy.

Key takeaways

  • Pop-up campers, fifth-wheels, and slide-on campers are all examples of travel trailers.

  • When you are hauling your travel trailer, it is usually automatically covered by the liability coverage in your regular car insurance policy.

  • But the liability coverage in your regular policy doesn’t cover damage to your travel trailer or its contents.

  • Drivers who want coverage for the travel trailer itself will need to get additional coverage, either as an endorsem*nt or a separate policy.

Do you need travel trailer insurance?

Yes, you probably do. As long as you tell your car insurance company about your travel trailer and it is listed on the declarations page of your policy, your travel trailer is covered under your liability coverage whenever you’re towing it.

But liability coverage is only one part of an insurance policy, which means if you have a travel trailer, you will need to purchase additional insurance to protect the trailer itself from damage that can happen in a car accident or while it’s parked.

That’s where travel trailer insurance comes in. It’s a special kind of coverage for trailers you tow, and will cover things like fire, vandalism, damage from things like bumping another car in traffic or rolling into a tree.

If you financed your travel trailer you may be required to have travel trailer insurance under the terms of your loan. Since travel trailer and RV loans typically have extended loans of 10 to 20 years, you’ll need to be prepared to have travel trailer insurance for a while, possibly even longer than you need to have full coverage on the car or truck you use to tow it.

Is travel trailer insurance different from RV insurance?

Yes, it can be — travel trailer insurance is meant to cover trailers you have to hook up to your vehicle to tow, while RV insurance usually covers drivable motor homes, which have the same state-by-state minimum insurance requirements as other vehicles. Some insurance carriers may list RV and travel trailer insurance as one product, and then ask you to specify whether your RV is a motorhome or a towable travel trailer when you’re applying.

➞ Learn more about the best insurance for RVs

What does travel trailer insurance cover?

Like with auto insurance, travel trailer insurance breaks down into different types of coverage.

But unlike your regular auto insurance policy, travel trailer insurance often covers things like replacing items that were damaged or stolen from your trailer, as well as liability coverage specifically for damage to a campsite or another location where you’ve parked your trailer.

Liability coverage

When it is being towed, your travel trailer is covered under your liability coverage on your auto insurance policy for any damage you cause to another driver or their vehicle.

Comprehensive coverage

Comprehensive insurance covers damage to your travel trailer that can happen while it’s not being towed, like damage from fire, wind, theft, vandalism, hail, flood, and other extreme weather. Also covers impact with an animal.

Collision coverage

Collision insurance covers damage to your travel trailer from a collision or accident, no matter who was at fault, so if you misjudge the size of your trailer and accidentally back it into a tree, collision coverage will pay to repair the dents and scrapes.

Emergency expense coverage

Pays for lodging and transportation for you if your travel trailer is damaged and becomes unusable more than a certain distance from your home, so you’re not stuck paying for a motel room after an accident.

Campsite/vacation liability

Covers up to a certain amount for bodily injury and property damage that occurs in and around your travel trailer when you’re using it on a vacation.

Roadside assistance

Just like with regular car insurance, this covers services for when you’re stuck on the side of the road, like towing, tire changes, fuel delivery, jumpstarts, and locksmiths.

Replacement cost coverage

Covers the loss — up to a certain limit — if personal items in your travel trailer are stolen or damaged. So if a kitchen fire destroys your appliances or someone sneaks in while you’re out and steals a television, you’ll be reimbursed by insurance.

Total loss replacement coverage

If your travel trailer is totaled, this coverage pays to replace it with a brand new one. This may be an important coverage for families with newer or expensive campers and trailers.

Full-timer coverage

If you use your travel trailer as your permanent home, this gives you coverage similar to what you would get from a homeowner’s policy.

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What’s a car insurance endorsem*nt?

A car insurance endorsem*nt is an addition to your car insurance policy that changes your coverage. An insurance endorsem*nt can add extra coverage, make changes to your policy, or widen the scope of your coverage. Endorsem*nts may also be referred to as riders.

How much does travel trailer insurance cost?

Just like standard car insurance, the cost of travel trailer insurance will vary based on a number of factors, including your driving record, the type of travel trailer you purchase, and which insurance company you choose.

USAA offers insurance for a pop-up campers for as little as $125 per year (though the cost can be significantly higher for something bigger and more expensive) while the average cost for travel trailer insurance through Progressive in 2020 was $502 per year.

→ Use our car insurance calculator to get an estimate

How to save money on travel trailer insurance

Just like any insurance coverage, the cost for travel trailer insurance varies significantly from one company to the next. There are multiple ways to save money on your travel trailer insurance, including:

  • Comparing quotes: The best and easiest way to save money on your travel trailer insurance is to compare quotes from multiple companies to make sure you are getting the best rate.

  • Getting discounts: You can also save money by taking advantage of any available discounts. For example, you may also be eligible for other discounts, like employer group discounts, customer loyalty discounts, and good driver discounts.

  • Bundle your policies: You may be eligible for a bundling discount if you purchase multiple coverages (like home, auto, and travel trailer coverage) from the same insurance company.

Which companies offer travel trailer insurance?

Most car insurance companies offer coverage for a variety of vehicles, from regular cars and trucks to recreational vehicles like boats, ATVs, RVs, and travel trailers, but each insurance company approaches travel trailer insurance in a different way.

Here are some of the top insurance companies that offer travel trailer insurance:


Travel trailer coverage


Covers travel trailers under RV coverage; breaks benefit down into towable RVs and motorized RVs


Offers travel trailer insurance for conventional travel trailers, fifth wheel travel trailers, folding camper trailers, and truck campers


Separates travel trailer insurance from similar coverage, like fifth wheel insurance and motorhome coverage


Covers travel trailers, fifth wheels, and motorhomes under RV coverage


Covers travel trailers, destination trailers, and campers under RV coverage

State Farm

Covers travel trailers separate from RV insurance for motorhomes that can be driven


Does not offer coverage for travel trailers or RVs


Offers coverage for travel trailers under their RV policy, with different categories for travel trailers, motor homes, pop-up campers, slide-on campers, and fifth wheel trailers

Collapse table What Is Travel Trailer Insurance? – Policygenius (1)

Frequently asked questions

What kind of insurance do you need for a camper?

What Is Travel Trailer Insurance? – Policygenius (2)

A camper or trailer being towed by your vehicle is covered under your liability insurance, but you will need to purchase separate comprehensive and collision coverage through a rider specifically designed for campers. This may include additional coverage, such as campsite liability coverage or full-timer coverage, in addition to standard full coverage benefits.

Is a camper covered under homeowners insurance?

What Is Travel Trailer Insurance? – Policygenius (3)

Homeowners insurance would only cover a camper or trailer if it is parked inside your garage and damaged by a covered peril. Homeowners insurance won’t offer any coverage for your trailer when it is off the property, so you’ll need to purchase auto insurance with a rider to cover your travel trailer.

Is water damage covered by travel trailer insurance?

What Is Travel Trailer Insurance? – Policygenius (4)

Yes, water damage is covered if you buy comprehensive coverage for your travel trailer.

What is the average insurance on a travel trailer?

What Is Travel Trailer Insurance? – Policygenius (5)

While comprehensive and collision coverage are standard benefits on almost every travel trailer policy, every insurance company has its own unique approach to insuring a camper or trailer. You may find different benefits available at different companies, so it is important to compare quotes on multiple policies to make sure you are getting the right coverage for your needs.

What Is Travel Trailer Insurance? – Policygenius (2024)


What Is Travel Trailer Insurance? – Policygenius? ›

Comprehensive coverage

What is covered under travel trailer insurance? ›

Comprehensive coverage protects your RV against events beyond your control: theft, vandalism, windshield damage, acts of nature, rocks and debris kicked up by other vehicles, and accidents with animals.

Is travel trailer insurance worth it? ›

When considering purchasing a new travel trailer, it's important to remember the significance of insurance. Although it may not be mandatory for fiberglass trailers to be insured by state law, these trailers are valuable assets that can be expensive to repair or replace if damaged or stolen.

Will homeowners insurance cover a travel trailer? ›

Typically, your homeowners' policy will cover your camper or RV against risks such as fire, theft, vandalism, and some weather-related damages, but only when the vehicle is parked on your property. The moment you take your camper on the road, homeowners insurance ceases to cover it.

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.

Does my travel trailer 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.

Do you need collision insurance on a travel trailer? ›

However, if you have a loan on your RV or if you lease it, your lender will typically require that you carry collision coverage. If you outright own your RV, having this coverage is optional.

What does full coverage insurance cover on a RV? ›

Standard RV coverages

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.

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.

How much is travel insurance? ›

However, depending on your provider, travel insurance costs can range from 4%-16% of your trip cost. That means for that $1,000 trip, you might find coverage for as little as $40 or up $160 on the high end. Costs vary across providers, level of coverage and factors like your age and destination.

Does Progressive insurance cover camper? ›

With both comprehensive and collision coverage, your camper is covered for damages that are both outside of your control and within your control. For example, comprehensive will help you pay to repair your trailer if a tree branch falls on it.

Does Progressive insure horse trailers? ›

Does Progressive insure horse trailers and destination trailers? Yes. We cover destination trailers like standard travel trailers. Horse trailers can be covered up to $50,000.

Do you need insurance on a travel trailer in Florida? ›

Florida state law mandates that you have insurance on your trailer. However, this means that you need to have liability. Upon registration, you must show proof of a minimum of $10,000 in liability coverage and $10,000 in Personal Injury Protection (PIP).

What is non owned trailer insurance? ›

Non-owned trailer coverage extends Physical Damage (comprehensive/collision) coverage to a non-owned trailer while attached to a covered (scheduled) power unit on your active policy. Non-owned coverage does require a specific limit that is provided by the owner of the trailer.

Can I borrow a friends trailer? ›

uh, you can loan almost anything and everything to anyone of your choosing. Trailers usually don't have 'titles', just registrations, so whoever is pulling it, should be prepared to show the registration, if stopped by police.

When an insured was towing a utility trailer with his auto? ›

Explanation: If an insured is towing a utility trailer with their auto and the trailer comes loose and causes damage to a store front, the part of the insured's auto policy that would pay for the damage is called property damage liability coverage.

What does RV liability insurance cover? ›

What does RV liability coverage cover? RV liability coverage covers two main kinds of damage: bodily injury and property damage (BI/PD). Bodily injury liability pays for medical expenses incurred by other drivers or pedestrians that result from an accident you cause.

Does RV insurance cover appliances? ›

These plans protect both functions of a motorhome, covering failures of its motor vehicle function, like engines and transmissions, as well as the appliances in the coach, such as refrigerators, water heater, televisions, wiring, and cooling systems.

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

Because you drive your motorhome like a car, you'll usually need to carry liability insurance that meets the state's minimums for auto insurance coverage. On the other hand, the towing vehicle's liability policy usually covers trailer-type RVs.

Will RV insurance cover mold? ›

Preventing mold and mildew is important for RV owners to prevent potential health problems and financial loss. Unfortunately, most RV insurance doesn't provide coverage for this type of damage.

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