Why You Need Insurance for Your Camper

Whether you own a motorhome (RV) or tow a trailer like a fifth-wheel, travel trailer, or pop-up, having insurance for your camper can help protect your investment and provide peace of mind during your journey.

What Insurance for Your Camper Can Cover

Different insurance options may be available depending on the type of camper you’re trying to insure. For instance, you may need less coverage for a travel trailer or pop-up than a motorized RV. Some coverage options may include:

• Collision and comprehensive coverages for damage from accidents, weather, fire, theft, or vandalism

• Liability coverage for injuries or property damage you cause to others

• Personal belongings coverage for items inside the camper, such as electronics, clothing, or camping gear, up to policy limits

• Emergency expenses for lodging or transportation if your camper becomes unusable while traveling

• Roadside assistance for towing, flat tire service, or battery jump-starts

Some policies may also include coverage for attached accessories like awnings, bike racks, or satellite dishes. It’s important to discuss your camper’s details with B&A Insurance, LLC to determine the appropriate coverage level for its value and usage.

Why Having Insurance Matters

Having insurance for your camper matters because it often represents a significant financial investment and is exposed to a variety of risks, such as those on the road, at campsites, or even while parked or stored. Without proper coverage, you may be responsible for costly repairs, medical bills, or legal expenses.

For example, if your trailer detaches and causes an accident, or if a fire damages your RV while parked, the financial consequences can be serious. Standard auto or homeowners insurance likely won’t fully cover these situations, especially when the camper is in use.

Contact B&A Insurance, LLC today to learn more about the value of insuring your camper. We can discuss different options that could work for your specific needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.