What is RV towing insurance?
Both your homeowners insurance and your auto insurance will provide some coverage for your towed RV, but it doesn’t go very far. This big gap in coverage is where RV towing insurance comes in.
The types of RV towing insurance coverage
There are a variety of coverages offered for RV towing insurance. Some of these come standard on most policies, while others are typically extra.
If you’re at fault for an accident, liability coverage pays for damage and injuries to the other party. Your tow vehicle’s auto policy already provides some liability coverage to your RV in case of an accident.
Collision coverage protects your RV in case it is damaged in an accident. Your auto policy may or may not extend collision coverage to your trailer. Even if your auto policy does cover it, it can’t hurt to add extra coverage.
Comprehensive coverage protects against a variety of types of damage that could occur to your RV. This includes things like flooding, fire damage, and theft/vandalism.
Full-timer coverage provides protection if someone is injured while in your RV, as well as at your campsite. In essence, this is like a homeowner’s policy for full-time RVers.
Personal effects coverage will cover you in the case of the loss or destruction of all your personal items in your RV. Computers, jewelry, clothes, and other valuable items can all be protected with this kind of coverage.
Also known as “TLR” coverage, total loss replacement is pretty much what it sounds like. If your RV is totaled in an accident, TLR coverage will fully replace your RV or pay you the value of the initial purchase price.
Emergency expense coverage will cover additional living expenses if your trailer is rendered unusable. That means things like transportation and hotel costs will be covered.
If you break down on the side of the road, roadside assistance like Coach-Net will be there to help you. Whether you need a tow, help replacing a blown tire, or anything else, this coverage will have your back.
A number of other coverages are also available for RV towing insurance, such as pest damage protection, roof repair and replacement, and pet injury.
You don’t want to skip out on RV towing insurance. While your auto and homeowners insurance can provide some coverage for your travel trailer or other towable RV, it’s far from comprehensive.