Travel trailer insurance

The question you need to ask yourself, if it caught fire and burned to the ground, do you have any funds to get another one?

Still, the "value" of the actual camper vs. the cost of the premium may not be worth it any more. But if it were me, for $200 a year, I think I'd keep it insured as long as I continued to have an active license plate on it.

Your choice.

Keep it insured unless your prepared to accept a total loss with no return.

What, this quality built trailer catch on fire and burn.. Just kidding of course but is that the only reason. The trailer is 9 years old and on its last legs.. Surprised its still together.

If you take it out 4x a year, of course insure it!

You better check out your car insurance policy to see if what you believe to be true is in fact, correct!

In my case, the truck insurance extends it's liability protection to the trailer while in tow.

The truck insurance does not cover the trailer for a loss such as fire, theft, etc.

Your policy may be different from mine.

EDIT: the post that followed mine is a good example. For instance, let's say I am backing my trailer into a camp spot, and damage the trailer by hitting a tree. In that case the truck insurance would NOT extend to cover the damage to the trailer. It would however cover the cost of replacing the tree, if the CG owner pushed it, because the liability coverage of the truck would extend to the trailer. But I'd be on my own paying for damage to the trailer, unless I have it insured on it's own policy ( which I do ).

The day after I brought our new Cougar home I did $9300 in damage to the roof. I filed an insurance claim.

I keep mine insured.

If a tree falls on it, wind storm, tornado, fire, flood, roll it in the ditch or vandalism...tell her good by.
Brian

My TV offers liability coverage when towing it at no charge, the collision does not extend to the trailer.
If someone rear ends the TT and leaves the scene then I'm not covered.

That's why a carry collision. It's less then $200/year on my package policy.

Somehow the TT while parked on an incline and unhooked (in a beautiful campsite) breaks free of the chocks rolls into someone or something and you aren’t covered. Oh my, you “saved” three hundred.

big_jeff wrote:
My annual insurance premium is due for my 2009 Keystone travel trailer and I was wondering if I actually need insurance for it. I own the trailer outright and I believe the full coverage on my truck covers it when towing. I'm paying over $200 year for insurance and it sits on my property most of the time. Maybe take it out 4 times a year. What does everybody else do?

Once you find out if, in your state. The trailer has liability coverage while hooked to the TV. Only you can decide if it is worth the cost. IF your Tt is worth over 5000. then 200 ain't that much to spend to cover it.