Though many people don't realize it, there is a big difference between Auto insurance and travel trailer insurance. Your car insurance provider may claim to cover travel trailers, but that coverage is probably incomplete. Auto insurance policies will cover liability and damage in vehicular accidents, but they don't have the provisions you need to best insure your travel trailer.
Instead, you need special insurance for travel trailers. Here are just a few of the standard types of coverage offered by trailer insurance policies that may not be included in your automobile insurance policy:
- Accessory coverage: covers devices you attach to your travel trailer.
- Emergency Expense coverage: reimburses you for lodging/travel if your trailer is damaged while traveling.
- Campsite Liability coverage: protects you from liabilities caused while staying in your travel trailer.
In addition, there are many optional types of coverage you may choose from including coverage for total loss replacement (which will also cover depreciation), damaged or stolen personal belongings, travel trailer specific towing and roadside assistance, special insurance options for your variety of trailer, and many others. For more information on the different types of coverage for travel trailers see Foremost or AMIG, two of the top providers in insurance for travel trailers.
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