Travel trailer insurance

My truck's liability covers my trailer while in tow. So if the trailer side swipes a shed while I'm towing it, my truck's insurance will pay to fix or replace the shed. My truck's insurance will not repair the trailer.

If you are ok with paying the replacement or repair costs on your own, go ahead and drop the insurance. Me? I think $200 is cheap enough to go ahead and keep the trailer and the stuff in it covered.

Thanks for the quick reply all. Some are valid points to consider that I didn't even think about. I guess in the grand scheme of things, $200 is well spent. I pay and have no worries. Thanks everybody.

note the common coverage. covered by the TV policy while in tow for liability. that's what mine is. Now once unhooked, no liability coverage unless I have a trailer policy. so w/o extra coverage I'm personally liable for the trailer, occupants etc. once it is unhooked. trailer catches fire and someone is injured..... w/o coverage I'm on the hook.

I just have a high deductible and coverage is $100/year.

:) Hi, my trailer is covered three ways depending on the situation.

(1.) Covered by trailer insurance.

(2.) Covered by tow vehicle insurance.

(3.) Covered by Home Owner's insurance.

Check with your tow vehicle insurance company and see if you can add it to that policy. May be cheaper than what you are paying now.

Check with your insurance company first....

and know the difference between comprehensive/collision/liability.

If the TT is UNhooked and somebody trips over your power cord at a campsite then
in all probability you are NOT covered.

I pay < $150 for full insurance on my TT - well worth the piece of mind.

Several years ago I had the backdoor open on my van. I took a sharp turn and the door struck the camper. I destroyed the door and put a large ding on the camper. The TV insurance picked up the damage to the TV and the TT Insurance picked up the damage to the TT (with 2 deductibles)