Living in moving home or going camping with your recreational vehicle enables you to enjoy some of the comforts and nature of your home at the same time; nothing matches this freedom. Unfortunately, life on the go also produces some additional risks which should get insured. Recreational trailers carry many of your items, personal belongings, your family members, and are valuable assets. Getting a recreational trailer insurance cover can help you to travel peacefully and have no worry in your portable cottage. Despite travel trailer’s insurance being reasonably priced, and running annually; not all people are convinced of getting insurance since these vehicles aren’t RVs.
Since a recreational vehicle is only towed – you don’t drive in the trailer- some states don’t even require you to have insurance on it. If you are not convinced why you should get insurance for your recreational trailer, read on to find out why you should. We’ve dug more profound on the importance of getting recreational trailer insurance.
#1 You Get Discounts If you Use the Same Insurer as Your Tow Vehicle.
Depending on your recreational trailer type, you may be eligible for a multi-policy discount, which can save you some money. Multi-policy discounts are mostly given when you insure your trailer with the same company that covers your auto policy.
#2 It Gives You Peace of Mind
Every insurance policy, and especially the one for the recreational vehicle, gives you peace of mind, no matter where you go camping, or the weather conditions you meet. Without insurance, you may not be able to enjoy camping and travelling when you encounter risky conditions. Knowing that your valuable asset and interior items such as generators, additional features like awnings and steps, and your family are fully covered can make time on the road much more enjoyable.
#3Your Trailer Is Protected From Getting Vandalized
A recreational trailer attracts a lot of interest since it’s a mobile home and not like other vehicles on the road. Vandalism such as the trailer getting painted on, glass being broken, and other damages aren’t covered by automotive liability insurance. They can be expensive and time consuming to repair. Getting insurance on your recreational trailer saves you from all this trouble
#4You Benefit from Roadside assistance
If your recreation trailer is damaged in a way that towing it with your vehicle is impossible, you benefit from roadside assistance, which is mostly included in your recreational travel trailer insurance. It means you won’t have to cater to a hefty towing fee when it’s being taken to a repair shop. Also, you won’t have to leave your recreational trailer on the road unattended when looking for help.
#5 Protections from Harsh natural events
Nature is unpredictable; you may drive your recreational vehicle in a place with harsh weather and conditions such as floods, strong winds, fire, and hail. Recreational trailers are also at a higher risk of damage from trees. Your insurance will save you from losing money from damages occurring because of the above conditions.
#5 Similar Benefits to a Home Owners Policy
If you have committed to being on the road on a fulltime basis, i.e., you’ve made your recreational trailer your primary residence, you can greatly benefit from having an insurance policy on your recreational vehicle that’s similar to a homeowner’s policy. It will maximize your coverage and protection.
Going with the above importance in regards to recreational trailer insurance, it is, therefore, advisable for anyone with a recreational trailer to insure them. If you do not own one, due to risks that come with them, you now have all the reasons to have one.