Travel Trailer Insurance
Keeping Travelers secure in York and Hanover, PA
Traveling with one’s own dwelling; albeit a substitute dwelling; is convenient and fun. This can be done with an RV and/or a travel trailer. Owning and traveling with either of these mobile homes come with numerous risks however, and these risks need to be mitigated if owners of these homes hope to be spared significant financial losses. In the case of travel trailers, insurance can mitigate these risks and keep trailer owners secure.
Travel trailer insurance provides coverage for nonmotorized, portable units that trailer owners stay in while camping or on other trips. Travel trailers are not often covered under homeowners or auto policies but coverage for these trailers can be added to these policies. Travel trailer insurance can also be purchased as a standalone policy, and for most trailer owners this is the best option.
Purchasing a standalone policy does not increase or diminish the variety of coverages that are available to trailer owners, but it prevents increases in homeowners and auto policy rates and deductibles, and this prevention appeals to some trailer owners. Whether one purchases a standalone policy or adds on to an existing policy, the coverage options from which he or she can choose are vast.
These options include:
- Liability coverage
- Collision coverage
- Uninsured/underinsured motorists
- Personal possessions coverage
- Emergency expense coverage
- Parked trailer coverage
- Comprehensive coverage
- Total loss replacement coverage
- Replacement cost coverage
- Towing and roadside assistance
- Campsite/vacation liability coverage
- Full-timer coverage
- Stationary travel trailer insurance
Some coverages for travel trailer insurance are broad and apply to almost all trailer owners. Other coverages are specific and apply only to a few trailer owners. In most cases, travel trailer insurance policyholders have similar broad coverage but different specific coverage. This is good because it means that policies are customized.
Rates and deductibles are influenced by coverage choices, driving histories, and a host of other factors. We go over each of these factors with you in the process of creating your policy. This helps us create an optimal solution, which we tailor to your individual needs, goals, and budget. This solution keeps you covered fully for the right price.