If you own a travel trailer—whether it’s your weekend escape or a part of your full-time adventure—you know it’s more than just something you tow. It’s your home away from home. But most people aren’t insuring it properly.
At Twin Peaks Insurance, insuring your fun means making sure your trailer is protected from all the things you hope never happen. This guide breaks down what you need to know before you hit the road.
What Kind of Insurance Do Travel Trailers Need?
Unlike motorhomes, travel trailers don’t have engines—but that doesn’t mean your auto policy covers them fully. You’ll likely need a separate trailer insurance policy that can include:
Comprehensive & Collision Coverage
Covers physical damage to the trailer from accidents, fire, theft, flood, weather, or vandalism.
Vacation Liability
Covers bodily injury or property damage claims that happen when you’re parked and using the trailer as a residence.
Personal Effects Coverage
Covers your belongings inside the trailer (clothes, gear, electronics, cookware, etc.)
Emergency Expense Coverage
Helps pay for lodging or travel if your trailer is unusable after a covered loss.
Common Gaps You Want to Avoid
- Assuming your auto insurance covers everything
Towing does not equal coverage. Most auto policies won’t protect the trailer itself. - Not listing customizations
If you’ve upgraded cabinetry, added solar, or installed new AC units—they may not be covered unless listed. - Skipping full-timer coverage if you live in it
If your trailer is your primary residence, you’ll need a more robust policy that acts like homeowners insurance.
Can You Bundle Trailer and Truck Insurance?
Yes—and you should.
Bundling your trailer with your tow vehicle can:
- Simplify claims
- Prevent gaps in liability
- Often save you money
What Carriers Cover Travel Trailers Best?
We work with top-rated carriers like:
- Progressive
- Foremost
- Safeco | Liberty Mutual
- National General | Allstate
Each has its strengths, and we’ll match you with the one that fits your lifestyle best.
Get a Quote from a Travel Trailer Insurance Specialist
We’ve helped thousands of RVers and trailer owners protect their homes on wheels. Let us help you next.
- Full-Time & Part-Time Use
- Bundles with Tow Vehicles
- LLC-Friendly Options
- Licensed in 40+ States