Fifth Wheel, Camper, Pop Up Camping Trailers

As our life styles change and additional forms of recreation become popular, the items used for recreation seem to be more valuable and as such the need for insurance coverage has increased.

In most cases anything that has a license or a DNR (Department of Natural Resources) permit will need its own separate insurance coverage for physical damage as well as the potential liability exposure that it might have.

Individual policies can be provided and coverages similar to those included on an automobile policy can be included for the travel trailer.

Some of the more popular coverages typically included on a travel trailer policy include:

• Liability 
  • This coverage protects you for the legal liability you incur due to an accident that involves injury or damage to property
• Physical damage 
  • Comprehensive
    • This covers your travel trailer in the event of damage caused by fire, theft, vandalism, or animal
  • Collision
    • This covers your travel trailer in the event of damage caused when you collide with another object such as other motorized vehicles, trees, and a variety of other items.
• Medical payments 
  • Medical bills related to a travel trailer accident would be paid up to the coverage limit if this coverage is selected
• Other optional coverages applicable to the specific unit covered

Although medical payments and uninsured/underinsured motorists coverage are not required for Minnesota snowmobile insurance policies, we feel these are some of the most valuable parts of the policy and we strongly encourage our clients to include them.

The following discounts may be available depending upon the company providing the coverage as well as the type of unit being insured:

• Clean driving records
• Multi-units discounts
• Safety course completion credits
• Supporting coverage/multi-policy discounts
• Prior ownership experience

Special coverage we would suggest:

• Roadside Assistance/Towing
  • This coverage provides towing to the nearest qualified repair facility and necessary labor at the time and place of disablement when the unit is disabled due to: mechanical or electrical breakdown, dead battery, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand so long as it is within 100 feet of the roadway.
• Vacation Liability
  • This coverage pays up to specified limits for personal liability for which the policyholder is legally liable as a result of an accident that occurs while the travel trailer is used as a temporary vacation quarters.
• Emergency Vacation Expense
  • This coverage is important if the unit becomes inoperable due to a covered loss more than 50 miles from home. It typically provides coverage for reasonable temporary living facilities, transportation, and the cost of returning the unit. A covered loss is either a Comprehensive or Collision loss. This coverage is limited and will typically range from $500 to $1,000.