In short, yes it’s a good idea to get pop up camper insurance in case of theft, storm damage, and other incidentals to your personal property.
If you own a small used pop up that’s only worth a few grand, it may not be worth paying for pop up camper insurance. Whereas if you have a brand new one worth $20,000, you probably want insurance. With a pop up tent trailer, you’re primarily considering the replacement cost.
RV insurance prices typically range between $75 to $250 per year, which is an opportunity cost to money that you could save towards repairs instead.
Do You Need Pop Up Camper Insurance?
Most states require minimum liability coverage, so it’s a must-have to avoid any issues with the law. However, this liability is typically already covered under your traditional auto insurance policy when on the road. Once it’s unhitched though, you wouldn’t have coverage for anything that happens to your camper.
If you’re financing your pop up camper, insurance is often mandatory by the lender. If you own it outright, the option for full replacement coverage is up to you.
Should You Insure Your Pop Up Camper?
As mentioned in the introduction, it may not be worth it for you to insure your pop up camper if you have the choice. On average if the camper is only worth a few thousand dollars, you may be better off saving that money for repairs and maintenance. Especially after the premium and deductible.
On the other hand, if you have a brand new pop up camper worth $20,000, it’s probably worth it to get insurance to cover for potential damage. At that rate, the value is high enough for it to make financial sense.
Are Trailers Covered Under Auto Insurance?
Typically, personal liability is covered under your auto insurance policy already since a pop up camper is only a trailer.
If there’s any accident involved with your vehicle while towing your pop up, your auto insurance can cover the trailer.
Pop Up Camper Insurance Cost
The cost of your pop up camper insurance typically ranges between $75 to $250 per year, but will vary depending on a number of different factors such as:
- Age
- Make
- Model
- Current condition
- Dimensions
- Driver(s)
- Safety devices installed
RV Insurance Coverage
The typical RV insurance coverage that you can expect with a pop up camper will cover you for the average incidentals that can come your way. These include:
- Liability
- Collision
- Comprehensive insurance
- Roadside assistance
- Personal property stored inside
To Conclude
Pop up campers are a fantastic trailer option to get out into nature. It’s equally as important to make sure you’re safe and covered before you hit the road.
Talk with your auto insurance provider to make sure your trailer is covered if all you’re concerned with is liability in your state.
To get full coverage of your personal possessions and replacement of your pop up if it gets stolen or catches fire you’ll want to pay for pop up camper insurance.