Insurance

As the days get longer and warmer, many of us start thinking about camping and road trips. If you own a travel trailer or motorhome, now is an ideal time to review your insurance coverage.

Travel Trailers and Fifth Wheels

Travel trailers and fifth wheels are towed behind a truck. While your auto insurance may cover accidents you cause while towing, you will likely need a separate RV policy to cover damage to the trailer itself. Check with your insurance agent or company to confirm what is and isn't covered.

Motorhomes

Motorhomes are drivable vehicles and are not towed. In Wyoming, you are required to carry an auto policy with liability coverage on your moto-rhome to pay for accidents you cause. To cover damage to your own motor-home, you'll need collision and comprehensive coverage. Comprehensive coverage helps pay for losses caused by events other than collisions, such as fire, flood, or theft.

Talk with your agent or company about the details of your coverage. Some policies may require regular maintenance of your camper or moto-rhome for coverage to apply. Also, ask whether your policy covers the vehicle if a family member or another individual will be using it.

Personal Property Coverage

Confirm whether your personal property is included in your policy and understand what items may be excluded. Ask your agent if you need an endorsement for perils like theft, vandalism, lightning, fire, windstorm, or water damage. Also verify whether you have replacement cost or actual cash value coverage.

If you own a toy hauler, ask whether your auto insurance or your RV policy would apply in the event of a claim.

Full-Time or Long-Term Use

If you plan to use your travel trailer or motorhome full-time or for an extended vacation, check whether your policy covers this or if an endorsement is required. Endorsements may offer additional coverage such as loss assessment or storage shed coverage when your RV is located full-time in a park. Be sure to ask your agent how your insurer defines "full-time," as definitions vary.

Renting an RV

If you plan to rent a travel trailer or motorhome, consult your agent to learn what coverage options are available to ensure you are protected during the rental period.

Reach out to your agent or insurer

Take time to review your coverage with your agent or insurance company so you understand your protections in case something unexpected happens.

Final Reminder

So before you hitch up or hit the road, take a moment to make sure your coverage is ready for the adventure. A little preparation now means you can spend the sunny days ahead focused on making memories, not worrying about what-ifs.