How do I cover my motorhome, trailer, fifth wheel, camper, or canopy?

Is your camper covered?Q: How do I cover my motorhome, trailer, or camper?
A: Spring is here, after a balmy winter that felt like spring. You might be thinking of pulling the cover off your RV and hitting the road. But what insurance do you need to ensure you’re protected while traveling beautiful North America? The answer lies in the type of recreational vehicle you plan to use.

Conventional trailers, campers, fifth wheels, and canopies that you own are protected automatically for liability under the coverage for their tow vehicles. That means, if you’re not concerned with protecting a non-motorhome RV against damage, then you’re already covered when it’s towed by your insured vehicle. For a small premium, PEMCO also can protect your RV against damage by adding comprehensive and collision coverage to your existing liability coverage.

Is your motorhome covered?Motorhomes, on the other hand, are self-propelled and insured much like other vehicles on your policy. You can select from the standard choices, just as you would with your automobile, to ensure your motorhome is well-protected. While motorhomes often cost much more than a car, insuring one need not be as expensive as you think! We recognize that motorhomes generally have less use than a regular vehicle, so we provide you with a special Motor Home Discount to keep rates as low as possible.

Regardless of your preferred mode of traversing the North American countryside, PEMCO can help!

by  Jaime Layng



Jaime Layng

06/28/2016 11:31 AM

The premium will vary based on the trailer’s value, coverage, and deductibles selected, plus other factors specific to your policy. For a precise quote, please give our Customer Service Department a call at 1-800-467-3626.

Jaime Layng

06/28/2016 11:27 AM

Excellent question! When a camper or trailer is parked, your Collision and Comprehensive coverage still apply. Naturally, you'll need to maintain coverage on the unit while it’s parked in order for the coverage to apply.
In light of this question and answer, I feel it’s important to point out that a trailer or camper being used as a residence – that is, it’s parked and doesn’t get moved but is used part or full-time as living quarters – is not appropriately insured on a personal auto policy. Always keep us informed of changes in the usage or status of vehicles and trailers so we can help ensure they remain adequately protected.

Julie Mann

06/25/2016 06:00 PM

How much would it be to insure our 19' 2016 travel trailer? We have all of our other insurance with you. Auto, home, umbrella.

Ted A Martin

06/23/2016 01:15 PM

what about protection against theft or vandalism on a camper trailer that is parked? Is that automatically covered by the terms of my auto insurance policy or will I need to add additional insurance?

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