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Insurance Auto Insurance

Best Travel Trailer Insurance

Updated Jun 28, 2023   |   6-min read

A travel trailer is a non-motorized recreational vehicle that attaches to a car or truck. Travel trailer insurance usually isn’t required by law—but that doesn’t mean it’s not a smart move to get it.

Travel trailers are a big investment, and the right insurance policy can help protect that investment. Are you considering taking out extra travel trailer insurance to safeguard your RV? Here’s what you need to know.

On this page:

Best travel trailer insurance providers

Shopping around is critical if you want the best RV insurance at a price you can afford.

To kick off your search, start with our picks for the best travel trailer insurance companies below.

Good Sam

  • Full Replacement Coverage? Yes
  • Personal Belongings Coverage: Up to $3,000
  • Multi-Vehicle Discount: Up to 20%

Good Sam is a well-known RV insurance company. In addition to travel trailer insurance, they offer coverage for Class A motorhomes and other RVs. You can also secure home, auto, and boat insurance policies from Good Sam.

  • Coverages: Permanent attachments, personal belongings, full-time resident, emergency expenses, full replacement cost
  • Eligibility: Drivers need to be at least 18 years old, have a valid driver’s license, and have a valid Social Security number
  • Discounts: Paperless billing, paid-in-full premiums, safe driver, anti-theft, homeowner, multi-vehicle, multi-policy
  • Policy features: 24-hour claims reporting, in-storage options, no depreciating values on parts and repairs, automatic personal belongings coverage

National General

  • Full Replacement Coverage? Yes
  • Personal Belongings Coverage: Up to $3,000
  • Multi-Vehicle Discount: Up to 20%

National General is another company well known for its RV insurance options, which include trailer insurance, Class A, B, and C insurance, and insurance for driving in Mexico. The insurer also offers policies for automobiles, homes, businesses, and more.

  • Coverages: Full replacement, permanent attachments, liability, collision, full-time resident, Mexico, specialized equipment, emergency expenses, rental car insurance
  • Eligibility: Drivers must have a valid driver’s license
  • Discounts: Paperless billing, paid-in-full premiums, safe driver, low mileage, multi-vehicle, multi-policy
  • Policy features: 24-hour claims reporting, in-storage options, automatic personal belongings coverage, online claims reporting, no depreciating values on parts and repairs

Progressive

  • Full Replacement Coverage? Yes
  • Accident Coverage: Up to $500,000
  • Pet Injury Coverage: Up to $1,000

You’ve probably heard of Progressive for car insurance, but the company also offers RV and trailer insurance, too. If you bundle your RV policy with other Progressive plans for your car, home, or business, you can qualify for a discount on your premiums.

  • Coverages: Vacation liability, full-time resident, personal belongings, emergency expenses, roadside assistance, pet injuries
  • Eligibility: Drivers need to be at least 18 years old, have a valid driver’s license, and have a valid Social Security number
  • Discounts: Paperless billing, paid-in-full premiums, anti-theft devices, safe driver, original owner, homeowner
  • Policy features: 24-hour claims reporting and customer service online and via mobile app, accident forgiveness, disappearing deductibles

How to get a travel trailer insurance quote

To get your quote for travel trailer insurance, you’ll just need to fill out a quick form on the insurer’s website. Make sure to have your trailer’s make, model, age, and mileage on hand, and know the length and body style, too.

You will also need basic info about each driver you want to be covered under the policy, including their name, birth date, license status, address, driving record, and more.

As long as you have these details on hand, the process should take no more than a few minutes using a web form. Don’t forget to ask about any discounts for which you might qualify in the process.

How much does travel trailer insurance cost?

The average cost of RV insurance varies greatly depending on the insurer, RV, driver, and other factors—and travel trailer policies are no different.

When getting your quotes, you can expect the following factors to influence your premium:

  • Your trailer, including its make, model, age, mileage, and history of collisions
  • Your use of the trailer and how much you intend to operate it during the coverage period
  • The drivers, including their driving history, credit report, license status, and age
  • The insurer you choose and the discounts they have available

Because travel trailer insurance can vary, it’s important to get at least a few quotes to ensure you get adequate coverage at a price you can afford.

How much travel trailer insurance coverage do you need?

It’s not legally required to have a separate insurance policy for your travel trailer. In fact, your existing auto insurance may actually extend to the RV in some capacity.

Still, this won’t provide full protection, and you’ll likely still be liable for much of the damages if you’re in a wreck, someone is injured, or your trailer is subjected to vandalism or theft.

If you want more thorough coverage, here are just a few of your options:

  • Comprehensive, collision, and liability: These are the basics you’d typically have on a traditional automobile. They pay for damage to your RV, damage to other vehicles, and medical costs of any injured passengers or other drivers if you’re in a wreck.
  • Total loss replacement: This covers the costs of replacing your travel trailer should it be completely totaled.
  • Personal belongings: This coverage protects what’s actually in your trailer—things like your laptop, your TV, or any other valuables you have inside.
  • Full-timer: Full-timer insurance is designed for anyone who lives (or spends the bulk of their days) in the trailer. It functions similarly to homeowners insurance.
  • Roadside assistance: This coverage offers towing and on-the-road help if you find yourself stranded or in need of assistance. Think of it like AAA, but for RVs.

Many insurance companies also offer in-storage coverage options, which allow you to pay a reduced rate during the months your trailer is stowed away.

If you’ve financed your travel trailer, there’s a good chance your lender may require a certain amount of insurance coverage on the vehicle. Be sure to talk to your lender before getting your insurance quotes to ensure you’re in compliance.

Recap of the best travel trailer insurance

ProviderBest for
Good SamCoverage
National GeneralCustomer care
ProgressiveDiscounts and forgiveness