Is a Travel Trailer Covered by Auto Insurance?

Indeed, a travel trailer may be covered by auto insurance.

A travel trailer is not like a regular home, car, or RV, because it can move around and it has no engine.

That means it needs a special kind of insurance that matches its features and dangers.

Additionally, your insurer might provide distinct policies depending on whether you own or rent the travel trailer.

While the extent of coverage may differ from one state to another, it’s mandatory in all states to procure at least liability insurance for your travel trailer or motorhome.

This is the moment to assess the potential risks of not having insurance for your travel trailer.

Continue reading to discover how you can prevent expensive errors and ensure that both you and your travel trailer are protected in the event of an accident.

An image illustrating is a travel trailer covered by auto insurance
Is a travel trailer covered by auto insurance?
Phot Courtesy: iStock

Is your travel trailer covered by auto insurance?

Indeed, your auto insurance might provide coverage for a travel trailer, but it’s important to confirm this with your insurance provider rather than making assumptions.

Additionally, you might discover that you’re eligible for a discount by including an RV in your policy.

Insurance serves to mitigate expenses related to physical damage to your belongings and any potential injuries that may occur.

How Travel Trailer Insurance Works

When individuals seek travel trailer insurance, they typically acquire it as an extension of their current auto insurance policy.

Travel trailer insurance is a policy that protects your towed RV from some risks and losses that can occur when you travel.

Additionally, it covers the costs of damages to your vehicle or others if a covered event happens.

You can select different coverages based on how you use your vehicle, as a recreational vehicle or as a permanent residence.

Different levels of insurance are available for travel trailers, contingent on their intended purpose or usage.

For instance, a travel trailer transporting human passengers will necessitate a distinct level and form of auto insurance compared to one used for transporting livestock.

What’s covered by a travel trailer insurance?

Liability: This insurance covers damages incurred by another vehicle in an accident.

In many regions, liability auto insurance is the minimum required for legal road use.

Beyond providing monetary coverage for damages, liability insurance also shields the trailer owner from potential lawsuits in accident scenarios.

Collision: Collision insurance handles the costs of repairing or replacing a travel trailer in case of an accident.

It’s typically pricier than liability insurance and is often optional rather than mandatory.

However, without it, if your travel trailer is totaled in an accident, you’ll be responsible for all replacement costs.

Comprehensive: Comprehensive insurance for a travel trailer encompasses both liability and collision coverage.

Advanced comprehensive insurance may also extend to other damages such as theft or non-accident-related issues like hail or storm damage.

What isn’t covered by a travel trailer insurance?

While travel trailer insurance shares similarities with homeowners or auto insurance, certain items typically excluded from those coverages are included in travel trailer policies.

For instance, damages from flood, commonly excluded by homeowners insurance, are covered by comprehensive coverage.

Similarly, personal belongings, usually excluded from auto insurance, can be covered by your travel insurance.

Here are some exclusions typically found in a standard travel trailer insurance policy:

  1. Normal wear and tear
  2. Intentional damage
  3. Damages occurring while the vehicle is used in a manner not permitted by the policy, such as in a race.

 Which companies cover ravel trailers?

Listed below are prominent companies providing comprehensive travel trailer insurance policies.

To obtain insurance quotes for your trailer, consider consulting an insurance agent or reaching out directly to one of these companies:

  • Farmers
  • Progressive
  • The Hartford

What is the Cost of Travel Trailer Insurance?

On average, travel trailer insurance costs typically range from $200 to $2,000, even with additional features included.

The price of travel trailer insurance is influenced by factors such as the trailer’s value, size, contents, and the state of residence.

Your driving history also plays a role, with more experienced drivers generally paying less than new drivers.

Compared to standard vehicle insurance, travel trailer insurance is relatively affordable considering the extensive coverage most RV insurance policies provide.

Factors to consider when buying a travel trailer auto insurance

  1. Total Replacement Insurance: You can choose to cover either part of your trailer’s cost or all of it if it’s wrecked. The second option costs more but pays for a brand-new trailer if yours is totaled.
  2. Cost: Find a monthly payment you can afford while still getting enough coverage. Cheaper insurance isn’t always the best.
  3. User Reviews: Look at what other people say about different insurance companies to find ones that handle claims well.
  4. Deductible Cost: Lower yearly costs usually mean higher deductibles. If you have a high deductible, be ready to pay more out of pocket if you have to claim. Higher yearly costs often mean lower deductibles.
  5. Multi-Policy Discounts: If you already have car insurance with a company, ask if they offer a discount for getting trailer insurance too. It might save you money since you’re already a customer.

Is RV insurance pricier than auto insurance?

Typically, RV insurance is cheaper than car insurance.

However, larger or newer RVs with higher values might come with expensive premiums.

To find out the cost of RV insurance for you, it’s best to get quotes from various insurers tailored to your situation.

Comparing these quotes can assist you in finding the most budget-friendly policy.


A travel trailer may be covered by auto insurance. They don’t always need a separate insurance policy, however, you must have a valid auto liability policy when towing.

Since they do not have a motor of their own, they are considered an extension of your vehicle, and your liability coverage extends to the trailer.

However, optional insurance policies are available for recreational vehicles which cover important aspects of owning a travel trailer.

These include collision, comprehensive, total replacement, and personal belongings coverage.

The cost of travel trailer insurance depends on various factors, such as the value, size, and use of your trailer, as well as your driving experience and location.

You can compare quotes from different insurance companies to find the best deal for your needs.

Travel trailer insurance can give you peace of mind and protect you from financial losses in case of an accident or damage to your trailer.

It is worth considering if you want to enjoy your travel trailer without worrying about the what-ifs.

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