How To Land The Right Travel Trailer Insurance Policy
Many travel trailer owners tend to make the mistake of insuring their unit on an auto policy. Unfortunately, at claim time, they do discover that they don’t have the cover that they intended to have or thought they had. Whether you are simply starting out on a brief trip or an experienced full timer taking all the amenities of home with you, it is still very important to ensure that you have a travel trailer insurance coverage just in case something untoward happened.
When you are shopping for the right insurance policy for your travel trailer, you are bound to get confused as to the technical difference between an RV and a travel trailer. In the eyes of an insurance company, RVs tend to sit permanently on a van or chassis while travel trailers are completely separate components which have to be towed with a vehicle. Secondly, an RV has a motor whereas a trailer doesn’t. These differences imply that the insurance needs of one unit is significantly different from the other.
Irrespective of the company that you choose to work with, a good insurance policy should protect your rig from just about any sudden, direct or accidental loss including but not limited to landslide, flood, smoke, collision, fire, vandalism, windstorms, Overhangs or low branches, lightning as well as theft. It should also offer coverage for attached accessories such as TV antennas, satellite dishes and awnings.
Some of the common trailer types which often secure insurance coverage include fifth wheel trailers, camper, pop-up trailers, Toy hauler, mounted truck camper as well as those trailers with some recreational cargo quarters. For most insurance companies, your trailer will be required to have permanent sleeping and cooking facilities so as to fully qualify to get a policy.
The insurance cover for travel trailers is important in that it does cover a wide variety of needs such as the need to replace stolen valuables from the trailer such as camping supplies, clothing and electronics. However, the cost of taking such insurance does depend on several factors such as the insurance company that you have chosen, the overall size of the trailer as well as the amount of coverage that you are seeking. It does also depend on the state where you are buying your insurance as well as your age as well as the time of year when you are making your purchase.
The insurance policy can cover a wide variety of things depending on the policy that you choose. Generally, property liability and bodily injury cover will handle any injuries which are suffered by other people in case of an accident as well as damage to property owned by the other person involved in the accident. Also, in the event that someone else caused the accident and either had a lower maximum or did not have any insurance, then your insurance could come through and cover the remaining cost for you. Most covers also tend to offer clients some form of roadside assistance, allowing you to call for and receive assistance free of charge when you have a flat tire or any other form of mechanical failure.
When buying insurance, it is always advisable to make your purchase in fall or winter and avoid summertime purchases which tend to be very expensive. Here are some of the popular travel trailer insurance companies readily available in the market. They include but are not limited to the following:
1) Farmers New World Life Insurance Company
Mailing Address: 3003 77th Ave SE, Mercer Island WA 98040
Phone Numbers: 1-800-493-4917
Web URL: http://is.gd/9iGf7u
Other Types of coverage: the company does offer a wide variety of optional coverage such as total loss replacement coverage, emergency expenses coverage, stationery travel trailer program, replacement cost coverage, full timer coverage as well as towing and roadside assistance which comes in handy, eliminating the need to purchase a separate towing plan.
2) Esurance Insurance
Mailing Address: P.O. Box 5250 Sioux Falls, SD 57117-5258
Phone Numbers: 1-800-378-7262
Web URL: http://is.gd/tNuWSQ
Other Types of coverage: apart from travel trailer coverage, the company does have a large product basket that offers numerous products such as ATV insurance coverage that’s touted as the best in the country, snowmobile insurance, renters insurance for those who may require it, motorcycle insurance cover as well as car insurance.
3) Statewide Insurance
Mailing Address: 12214 US Highway 301 Dade City, Florida 33525
Phone Numbers: 1-888-929-2467
Web URL: http://is.gd/WOIt4I
Other Types of coverage: the company does offer lots of different coverage such as medical payments, labor or tow charges, gap coverage, vacation liability, emergency vacation expanse as well as a full timers coverage for those who opt to make their travel trailer their permanent place of residence.
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