4 Reasons Why You Need Insurance for Your Camper (Even a Small Pop-up!)

Written By Charlotte Insurance on August 18, 2020. It has 0 comments.

a travel trailer that needs insurance

Think insurance for your small camper is unnecessary? Didn’t purchase coverage in order to save money? You might lose money without insurance for your camper — yes, even with a small pop-up camper!

Here are four reasons why you need insurance for your camper, no matter how small or old it might be.

It Might Be Required

If you’re driving a large motorhome or towing a large camper, RV insurance may be required. In North Carolina, it is with a minimum liability coverage of $25,000. This not only protects people injured in an accident you cause, it protects you financially, too. To get the most financial protection, choose higher liability coverage than the minimum required. Most accidents cost more than you think they will, especially if you’re driving a motorhome.

You Might Need Roadside Assistance

Roadside assistance options like AAA won’t tow a trailer if you’re stuck on the side of the road. Not even a small pop-up trailer. In most policies for RVs and campers, roadside assistance is included so if you’re ever stuck on the side of the road, you can get help. The last thing you need is the added expense of coming back to get your camper from the side of a busy highway after you break down.

Insurance Isn’t as Expensive as You Think It Is

The cost of insurance for your camper depends on the size and how you use it. Smaller campers and vacation RVs have lower insurance premiums than a camper you’re using as your permanent home. But even then, it’s still less than most homeowners insurance policies. As an example, a small pop-up camper can be insured for as low as $120 per year and it includes 24/7 roadside assistance among other benefits.

Camper Insurance Covers More Than Your Auto Insurance

Your RV or camper isn’t the same as your personal vehicle. It has different features and even different risks. Camper insurance not only offers standard coverage you expect from auto insurance: bodily injury and property damage liability, medical payments, and uninsured/underinsured motorist insurance, you also get coverage for custom features, the contents of your camper, and vacation liability.

If you thought you didn’t need camper insurance or it was too expensive for you, think again. Contact Charlotte Insurance today for a free quote on coverage based on your camper or RV. You shouldn’t hit the roads without the right kind or amount of insurance. You deserve the financial protection and peace of mind that camper insurance can provide.

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