TUESDAY, FEBRUARY 7, 2017
If you own a travel trailer, it's likely a big part of your life. Travel trailers can function as small homes on the road. You can also park them at campsites, scenic locations and even in cities.
Travel trailers are different than RVs. RVs are vehicles in themselves. Travel trailers, however, are usually attached to your vehicle. They don't have engines of their own.
Generally, insurance coverage for travel trailers is not the same as coverage for RVs. You shouldn't try to insure these vehicles with the same policies.
With travel trailers, there are a lot of risks that RV owners or regular homeowners may not face. That's why policies are so specific. And a basic travel trailer policy may not fit your specific needs. Every travel trailer is different, after all.
You can often add additional coverage to your standard travel trailer policy. The following additions can further protect your trailer in special situations.
Emergency Expenses Coverage
Imagine a scenario where you've parked your trailer for four months in the mountains. Halfway through your stay, your electrical hookup permanently fails. You no longer have power, heat or generator access.
Emergency expenses coverage will likely help you in this situation, and others like it. This coverage can pick up costs associated with the journey home or to a hotel if you have to cut your trip short.
It's important to note that emergency expenses coverage won't likely cover repairs to an RV. Your comprehensive coverage will be the appropriate coverage for those repairs.
This coverage will treat your trailer as if it is your regular home. If you live in your trailer year-round, then this coverage might be a smart investment.
When they're treated like a normal home, travel trailers provide risks similar to those of stationary homes. In that way, full-timer coverage can protect your liability in many of the same ways a homeowners policy protects a regular home.
Stationary Liability Insurance
Your regular liability coverage will likely protect you when your vehicle is on the road. But, what about when you park the trailer? Your trailer could stay in place permanently, or for extended periods of time. If this is the case, you'll want to reduce your liability risks while the trailer is not in motion.
This coverage will usually protect you against injury and fall risks to third parties. It could also protect you against damages to other trailers.
Remember, not every travel trailer insurance policy is the same. You should always do your research when choosing a policy. Call Fulton Agency, Inc. at (954) 752-8610 for more information on Fort Lauderdale FL travel trailer insurance.
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