Tag Archives: trailer homes

Trailer Home Insurance

Motor home trailerTrailer homes take on many aliases.  They can be mobile homes, caravans, recreational trailers, travel homes, and many more personalized titles.  But when it comes to trailer home insurance, any of these names fall under the same category.

Your recreational trailer is considered like your boat trailer in most cases with only a few minor differences in the terms of the policy.  Like most agreements it is to be paid monthly or annually and in turn the insurer will cover any losses monetarily that may occur during the term of coverage.  When deciding on a carrier for your trailer insurance needs it is always a good idea to collect several (at least three) quotes from different companies before purchasing.  The terms of coverage should be relatively similar from one insurer to the next, but some basics are a must.

If you wish for only a basic plan, liability to cover another’s vehicle or property, it is important to discuss with the prospective agent if this policy extends to properties both on the road and at a site such as trailer and RV parks as this is more often the resting place of your trailer.  But accidents do happen en route as well.  Determine through conversation with your insurance provider whether your trailer is considered a model or recreational travel trailer and needs coverage under auto owners insurance, homeowner’s policy or more specific mobile home policy if available or applicable.

Be certain that whichever coverage you select will include legal losses.  This is usually a given but not to be overlooked.  Just as helpful will be coverage for the cost of transporting your wrecked or damaged trailer from an accident to whichever destination you need it.  If you haven’t priced towing for over-sized vehicles lately, the numbers will astound you.   Get this added protection.

Another point that should be cleared with your provider is state-to-state laws and how they apply to your specific usage.  A trailer that is parked out of state should be covered still be covered and you do not need to reside in that state to have a policy there, clear this with your insurance company ahead of time to avoid any unwanted surprises.