How To Find Cheap Camper Insurance
There are several things you should know about travel trailer, fifth wheel, truck camper, and motorhome insurance. There are different policy types available for these different recreational vehicles.
This article is about how to find cheap camper insurance, but camper might be defined as meaning a travel trailer, 5th wheel, or truck camper.
Types of coverage for campers
To speak to the largest audience, I’ll briefly define coverage for both towed campers (travel trailers, pop-ups, and 5th wheels) as well as truck campers and briefly describe how these policies differ from other types of insurance policies.
You are probably familiar with the three basic categories of loss that are covered by most auto policies: collision, comprehensive, and liability coverage are three separate categories. Each of these may or may not be part of an auto policy and all three have defined deductibles and limits of coverage.
- Collision pays for damages to your vehicle in a wreck.
- Comprehensive coverage pays for damage to your vehicle due to anything other than a wreck like hail or wind damage, theft, or vandalism.
- Liability coverage pays for damages suffered by other people that you or your vehicle have caused.
Limit of auto policy extension
Many people just assume that their auto insurance policy extends to an RV that is being towed or to a truck camper that is mounted on their vehicle. The reality is that only your liability coverage extends to your towed RV and as stated above, that only covers other people’s losses.
If you do not have a separate insurance policy on your pricey 5th wheel trailer or travel trailer that is totaled in a wreck or hailstorm, you will receive nothing from your insurance policy because your auto policy collision and comprehensive coverage do not extend to your towed RV.
You would need to purchase a separate camper insurance policy with both collision and comprehensive coverage to insure against either of these two losses. Furthermore, the liability coverage for your towing vehicle only extends to your towed RV when the RV is hooked up to the towing vehicle and again that coverage only protects other people.
Truck camper insurance
As far as truck camper insurance is concerned, it is different from trailer insurance because the RV is mounted to your truck, so your truck’s insurance coverage does extend to the RV as long as it is attached. But to fully cover losses to your truck camper due to a wreck or weather damage, you will need to increase the limits on your truck insurance to include the value of the camper.
Also, you might want to purchase a separate truck camper insurance policy to cover comprehensive damage, (weather damage, theft, and vandalism) if your camper will be detached from the truck for prolonged periods of time since your truck’s comprehensive coverage only extends to the camper when the camper is attached.
Your insurance agent may be the best option for cheap camper insurance
The best place to purchase cheap camper insurance may be from the same place where you have your auto or homeowner policies, because most insurance companies offer discounts for multiple policies.
Before you call your agent, however, you might want to do some research online to get a better sense of what the typical camper policy will cost and what the questions are that determine that price.
Typically, camper insurance will cost from $250 to $600 per year and will depend on the type of coverage you are seeking, the deductible, the loss limits, and the other issues such as the state of your residence, and your credit score.
Add extra features to a policy
The policies may also come with extras like towing and roadside assistance, or loss of use, or emergency expense benefits, and knowing what all those extras are and how much they cost will inform you for your conversation with your agent. Additionally, if you have already learned from an internet quote what you might expect to pay for that coverage you will know if your agent’s offer is in line with your expectations.
Check for water damage coverage
Also, when shopping for camper insurance, be sure to find out if the comprehensive coverage covers water damage. That can be a major source of loss in any RV, and if you’re paying for insurance anyway you should be sure it covers the things that are most likely to happen, not just the events that are rare and unusual.
Ways to lower the cost of camper insurance
There are many ways to lower your insurance premiums:
- Go with higher deductibles,
- Lower the loss limit,
- Have a great credit score,
- Seek multiple policy discounts,
- Avoid loading up on the little extras,
- And decide what your RV is really worth.
Insurance for a low value RV
If your camper is older and not worth much on the secondary market, you might only need the liability insurance that extends from your auto to your camper while it’s being towed, and you really won’t need an extra camper insurance policy. On the other hand, if you have a large investment in your camper, then a super low cost insurance that doesn’t fully cover your investment is also not a wise choice.
Shop for cheap camper insurance online
I suggest you use online camper insurance quotes to help you understand what features you will want in your insurance policy, and how much protection you’ll need before you call your insurance agent. If your agent quotes a higher price, ask if they offer multiple policy discounts and then don’t be shy about sharing what you found on the internet.
You might end up buying your policy from an online providers, or you might learn that your agent has other options they had not discussed with you. Give them a chance to meet or beat the quoted price but be honest about the deductible, water damage coverage, and loss limits.
Protect your credit score while shopping for camper insurance
Many insurance companies offer cheap camper insurance such as State Farm, Geico, Farmers, Progressive, The Hartford plus others, and most of them have an online estimate option. However, be careful that you don’t give multiple companies permission to access your credit score. Ultimately, that could be counter-productive and adversely impact the cost of camper insurance because one of the variables in determining the cost of insurance is your credit score.
If your FICO score goes down every time a company checks your credit, you might end up paying more than if you had just contacted your insurance agent and purchased the insurance from them. Additional care should be taken with regard to protecting your credit score, if you are also shopping for financing on a new trailer or camper.
RVers looking for valuable how-to information have learned to go to the experts. Forums such as iRV2.com and blog sites like RV LIFE, Do It Yourself RV, and Camper Report provide all the information you need to enjoy your RV. You’ll also find brand-specific information on additional forums like Air Forums, Forest River Forums, and Jayco Owners Forum.
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