Travel Trailer Insurance Quotes in North Carolina
A travel trailer will take you for a short-day trip or an extended road trip across the country, but you can’t let worry interrupt your adventure. As such, you need a travel trailer insurance policy to cover your RV at all times. You may have an auto insurance policy. However, it may not adequately cover your RV and surroundings considering the unpredictable nature of traveling. Furthermore, travel trailers are expensive vehicles and they ought to be taken care of by a special coverage.
Travel Trailer Insurance Coverage
RVers encounter different situations on the road, and with this in mind, every RV insurance company offers at least the following camper insurance coverages:
- Total loss replacement for travel trailer insurance
This coverage protects your travel trailer against depreciation. If an RV is damaged within its first five model years, an insurance company will pay the owner to replace the trailer with a brand new and similar RV, regardless of the cost. Companies such as Foremost Insurance even offer an extended period for this coverage.
- Vacation liability for travel trailer insurance
Provides extended liability coverage when you are parked and using the RV as your home. This is great for a family going on a weekend or full week trip.
- Emergency expense coverage for travel trailer insurance
Pays your lodging and transportation in the event that your travel trailer is damaged by a covered loss. The distance that is usually considered for this coverage should be more than 50 miles away from home.
- Comprehensive coverage for travel trailer insurance
Provides protection from almost any sudden or accidental loss, including; fire, theft, severe weather, animals, low branches or overhangs, collision, landslides, or any other natural disasters. It covers the trailer itself, equipment and accessories such as satellite dishes and TV antennas.
- Replacement cost coverage for travel trailer insurance
This covers your personal items that are stolen or destroyed in the event of an accident.
- Towing and roadside assistance for travel trailer insurance
This eliminates the need for purchasing a separate towing plan. Any roadside service, locksmith service, towing, jump starts, flat tire changes, and fuel delivery will not cost any out-of-pocket payment. A simple toll-free call will get you sorted in time of emergencies.
- Full timer coverage for travel trailer insurance
Similar to a homeowners policy, this option covers you when you are parked and using the trailer as your residence, especially for extended periods of time.
- Packed trailer coverage for travel trailer insurance
Also known as stationary coverage, it gives you extensive comprehensive coverage when you use your RV a temporary or permanent residence. It includes liability coverage for medical expenses to others and property damage that you may be held responsible for. This option offers extra protection because your homeowner’s policy may not extend coverage to you.
- Uninsured/underinsured motorists for travel trailer insurance
Covers a driver who has no little or no coverage, yet he/she is at fault in an accident that you are all involved.
- Medical payments for travel trailer insurance
This pays for the medical expenses for you, your family and anyone else that may be involved in an accident, no matter the fault.
How travel trailer insurance works
Travel trailer insurance protects you (the RV owner) from making excessive payments with your own money in case you are at fault in an accident that results in bodily injury or property damage, or in the event of loss caused by external factors. It also offers compensation for immediate costs that you may incur due to a roadside breakdown.
Cost of RV insurance
A travel trailer insurance policy is quite affordable and can rest you assured when you take off for your escapade. The real cost of insuring your travel trailer varies by state and the rates are affected by a number of factors. For instance, Michigan is known to have the highest rates at a median annual premium of $4,490 while North Carolina has the lowest rate at $860.
The difference results from state laws and several other factors that insurance companies put into account before determining the premiums. These include:
- RV class (whether A, B or C),
- Accidents and traffic violations,
- Age and condition of RV,
- RV driving experience,
- Where you will travel,
- How often you drive, and
- Amount of insurance you buy.
Your insurance agent should be in a position to inform you about the coverage choices available and advise you on how much coverage to take, and from what insurance company. Otherwise, the best place to get a travel trailer insurance quote is online. Get an RV insurance for peace of mind when you’re home away from home.