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Top 3 Questions: Coverage for Trailers, RV’s, and Extension Coverages

Before you take your trailer out of storage for the summer in preparation for your next road trip, it’s important to ensure you’re fully covered! Backing up a trailer can be very tricky and accidents can happen, no matter how experienced you may be. We’ve put together the top three questions asked by our clients to help you understand coverage for trailers, RV’s and extensions.

1. What’s covered under a homeowner’s policy?

Many homeowner’s policies will extend liability to your trailer if it is parked on your property. The homeowner’s policy may include coverage, depending on the value of your trailer and its contents.

2. The vehicle I’m going to use to tow my new trailer/recreation vehicle with has an active automobile insurance policy. Does this mean I am covered?

It’s important to highlight that the only coverage extended from the towing vehicle is liability. Meaning, you are covered for the damage done to someone else’s property by the trailer itself, but not covered for damage to the trailer itself.

***Vacation Trailers & RVs Only

Accidents that occur when your trailer isn’t attached to your towing vehicle, there is no coverage for liability as liability only extends when the Vacation trailer or RV is being towed. Once parked, liability no longer extends to the vacation trailer or RV. If you aren’t sure, ask us. It’s always important to chat with us to fully understand what coverage is provided under your policy.

3. Are personal contents temporarily removed from my primary home covered?

Personal contents temporarily removed from your primary home should be covered under your homeowner’s policy. However, limits apply to certain contents as well as your policy deductible,
so if you have any questions please contact us!

There’s a lot to consider when it comes to Trailer and Extensions Insurance, and our insurance experts are here to assist you with the best insurance to fit your needs and give you peace of mind.

Contact us today to learn more!