Details

Written by: Shelly Campbell

Category: Travel Trailer

Hits: 1228

If your company allows, it is tempting to add a travel trailer or fifth wheel to your automobile insurance policy. That way, you avoid separate billing notices and maybe get multi-vehicle discounts. But does your trailer have the right coverage for how you use it?

Buying a stand-alone policy doesn’t mean you won’t get the discounts. Some companies will give you a better multi-policy deal by insuring them separately than the discount that applies when you add them to your existing auto contract.

The coverage varies from an endorsed auto policy to a separately insured one. The way an insurance company calculates the value of the structure may differ between the two types. Will they pay you the depreciated value of the trailer or the cost to replace it? That is the question you need to ask when weighing the difference.

Liability automatically extends from the auto policy covering the towing vehicle to the travel trailer when hooked up and in motion. But does the liability extend when the travel trailer is parked, leveled, and detached from the vehicle? For example, if someone visits the campground or RV park where the trailer sits and gets injured in or near the rented space, but the truck or SUV is somewhere else, would the auto policy cover them? When you call us at 503-489-3143, we can answer these questions and more. Click here now to get a quote.