How to Insure a Trailer

Insuring your trailer on your personal insurance policy requires finding an insurance company that covers trailers and finding the best deal that offers the coverage that you need. Below are the steps you need to take in order to insure a trailer or a mobile home for your next trip or move.

Instructions

1. Look for a company that sells policies that cater to the needs of travel trailer or mobile homeowners. You might have to call around for awhile before you find one that meets your needs.

2. Review the policy's definition of a mobile home or trailer to ensure that your property will be covered in the event of accident, fire or storm damage.

3. Consider buying an all risk policy rather than a named peril policy. Although less expensive, the latter covers only the causes of damage specifically named in the policy. Neither you nor your agent can ever dream up all the things that could happen on the road.

4. Consider trip collision coverage if there is even the slightest chance that you may move your trailer or mobile home to a new location.

5. Purchase emergency removal coverage. It provides a portion of the cost of relocating if you experience a covered loss. Your lot may be flooded, and you may want to move your trailer or mobile home before more damage is done.

6. Look into a roadside assistance option to provide you with peace of mind if your trailer or RV breaks down while in an unfamiliar area.

7. Consider adding fire department charges if your trailer or mobile home is in an area not served by a local fire department.

Tips & Warnings

• You might also want to buy additional coverage for anything that is attached to your trailer or mobile home such as decks, awnings or satellite TV antennas.