Camper Insurance Coverage
Personal Property Insurance Coverage for campers:
Covers items that you take onboard your Travel Trailer, such as house wares, tools, clothing and sporting equipment, for their full replacement value. Although these items may be covered by your homeowners insurance policy, typically only 10% of your homeowners coverage extends to off-premise property. That may not be enough to cover the items in your Travel Trailer. Choose the dollar amount you would like to cover. This amount will affect the price of your insurance policy.
Attached Accessories:
Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.
Travel Trailer Road Service Insurance:
Towing and Roadside Assistance available 24 hours a day, 365 days a year everywhere in the United States and Canada, towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away with a good policy. An experienced insurance representative will find you the help you need using a vast network of authorized service providers and qualified repair facilities.
Unlimited Towing:
Provides sign-and-drive coverage 24 hours a day, 365 days a year. Includes battery jumpstarts, fuel delivery, flat tire change, lockout service, and winching and towing for mechanical or electrical breakdown. The amount you choose is the limit of coverage (the maximum payment from the insurance company).
Guaranteed Loss Replacement:
Total Loss Replacement Coverage protects your travel trailer from the effects of depreciation. If your new-model travel trailer is destroyed within its first five years, and you're the original owner, we'll pay to replace it with a brand new one of similar kind and quality - no matter what it costs (as long as you replace the travel trailer and maintain insurance coverage limits equal to your original purchase price)! In years 6 through 10, we will give you up to what you paid for it originally toward the purchase of another travel trailer or fifth wheel.
Full Timers Coverage:
Provides comprehensive personal liability, stored personal contents, and additional living expense insurance coverage for those living full-time in their Travel Trailer or Fifth Wheel. This is similar to a standard homeowners policy.
This special program for stationary travel trailers gives you extensive comprehensive and contents insurance coverage if you use your travel trailer as a seasonal or permanent residence. This includes vacation liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners insurance policies may not extend coverage to you. Choose the dollar amount of coverage. This is the maximum payment.
Emergency Expense Coverage:
Reimburses you for expenses incurred following an accident or other covered loss. Pays for hotels and transportation if your fifth wheel or travel trailer is incapacitated. Choose the dollar amount for maximum insurance reimbursement.
Purchase Price Protection:
Available only on new Travel Trailers and Fifth Wheels, this guarantees reimbursement of the entire purchase price in the event of an insurance loss.
Add your Towing Vehicle:
Add your Tow Vehicle to your Recreational Vehicle or Fifth Wheel Insurance Policy. In some cases, this can result in savings on your Fifth Wheel Insurance Policy and allows you to purchase both policies with one easy payment. Tow vehicles include light, medium and heavy-duty pickups, SUV's and autos used to tow the Recreational Vehicle or Fifth Wheel included in the policy.
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