Do I Need Insurance for My Fifth Wheel or Travel Trailer?

Whether you tow a fifth wheel for weekend getaways or travel full-time in a bumper-pull trailer, one thing’s for sure: your auto insurance doesn’t fully cover your trailer.

If your trailer is involved in an accident, damaged in a storm, or stolen while parked, you could be on the hook for major expenses—unless you have a proper trailer insurance policy in place.

What’s Typically Covered by Trailer Insurance

• Physical damage (collision, fire, theft, weather, vandalism)

• Liability (if your trailer causes damage while parked or in tow)

• Personal belongings (for living space setups)

• Attached accessories (awnings, solar panels, hitches, etc.)

  
  

Why You Need Specialized Coverage for Fifth Wheels & Travel Trailers

Unlike small utility trailers, these rigs can include kitchens, bathrooms, electronics, custom features, and more. That’s a lot of value to leave unprotected.

If you’ve financed your trailer or added upgrades, your lender may also require specific types of coverage.

Don’t Forget the Truck That Pulls It

Want a quote for both your trailer and your tow vehicle? We can help you bundle them together—often saving you money and simplifying the claims process.

Have a Horse Trailer or Living Quarters?

We specialize in coverage for horse trailers—including high-end models with living quarters. We’ll help you protect both your investment and your peace of mind.

Whether you use your trailer seasonally or year-round, we’ll find the coverage that fits your lifestyle—and your rig.

Request your trailer insurance quote today: Or call us at 800-507-8467