Will RV Insurance Cover a Trailer?

RV trailers are often overlooked because they are out of sight and, consequently, out of mind. This raises an important question: Do RV trailers require insurance similar to that for RVs and traditional vehicles?

North Georgia Insurance Center, serving Commerce, GA, is here to clarify this commonly asked question.

Do RV Trailers Need Insurance?

Adding a travel trailer to your RV inevitably brings up the topic of insurance. Whether or not travel trailer insurance is necessary depends on several factors.

For instance, if you rarely use the travel trailer or store low-value items inside it, you might feel that insurance isn’t essential. However, if the trailer is used frequently or contains high-value items, purchasing insurance is a wise decision.

State laws also play a significant role in determining whether RV trailer insurance is required. In some states, travel trailers towed behind vehicles are not required to have separate insurance because they are not self-powered. In these cases, the towing vehicle’s liability coverage typically applies.

However, there are limitations to the towing vehicle’s liability coverage. While it may cover damages caused by the trailer to other vehicles, it likely won’t cover damage to the trailer itself or theft of the trailer.

Benefits of Travel Trailer Insurance

Fortunately, travel trailer insurance provides an affordable solution. This type of coverage protects your trailer in the event of a collision, theft, or damage caused by severe weather.

By opting for travel trailer insurance, you won’t have to bear the financial burden of repair or replacement costs on your own. Instead, the insurance will provide a financial safety net, covering damages to the trailer or its contents.

Contact North Georgia Insurance Center Today

Located in Commerce, GA, we offer the insurance protection you need for peace of mind. If you’re considering RV insurance, contact us at 706-335-2433 for a personalized quote.