TRAILER INSURANCE

Even though it’s not considered a vehicle, your trailer could still cause an accident. Civil liability insurance would cover the costs if your travel trailer were to damage someone else’s property or injure someone. For example, if your trailer comes unhitched from your vehicle and damages a building or another car, civil liability would cover the claim, which could save you a lot of money. What’s more, having sufficient coverage is not only a matter of financial security but also a question of compliance, since some campgrounds require that their campers have insurance.

Knowing that you’re covered against the unexpected allows you to enjoy your road trips with complete peace of mind, without having to stress about how much an accident would cost you.

Like a car, your travel trailer is susceptible to road hazards. If you want to cover potential damage to your trailer, you can opt for Collision or Upset insurance and All-perils Other Than Collision or Upset insurance, which will cover the potential risks of using your travel trailer.

The contents of your travel trailer are not covered under your trailer insurance. However, they may be covered under your home insurance policy. Contact one of our insurance agents for details.

No. If your trailer is immobile and still has its wheels, it’s covered under an auto insurance policy. In this case, its contents (i.e., your belongings) and outbuildings (i.e., gazebo and shed, for example) are covered under your home insurance policy. If, on the other hand, your trailer doesn’t have wheels anymore, consider insuring it as a cottage or secondary home under your home insurance policy. But remember, you must have year-round coverage, even if the campground is closed, for example.

Please note that the seasonal nature of a travel trailer is already taken into account when calculating the premium. Prices can vary significantly from one insurer to another; comparing quotes will help you find the best offer. And don’t forget, iA Auto and Home Insurance clients can get discounts when they bundle their home, auto and recreational vehicle insurance. To find out more, call 1-866-650-4689 today!