Does RV Insurance Cover Campers?

Owning a camper is a great way to get away during the hectic work week or to just have a great place to stay that isn’t a pricey hotel. For those that want a camper, insurance is something that they should seriously consider. So does RV insurance cover your camper? For those in the Richardson, TX area, the agents with Allegiance Insurance Agency can help you answer that question.

Your camper and its contents are valuable to you and knowing what type of insurance you need to keep them safe is a must. RV insurance typically only covers RVs. If you want a policy that is going to cover your camper you are going to want to either take out special trailer insurance or you are going to want to list and inventory it on your homeowner’s policy. Your auto policy may also cover some damages if it is damaged while you are on the road but for the most part, your homeowners is going to be your best bet as insurance companies see your camper as an extension of your home.

So what does special trailer insurance cover? It would cover your camper fully but it is also expensive and may be hard to find. It might also not cover everything and can end up being more trouble than it is ultimately worth. So should you take out special camper insurance? It is not necessary as your camper is going to be covered on a range of different insurances. You want to be sure however that it is listed and that you are sure to update and inventory it so that you can claim it if something happens.

For those that live in the Richardson, TX area, the agents with Allegiance Insurance Agency can help you to find the right policy for your camper.