Camping and exploration is all fun and games, until something happens to your travel trailer!
Certain pull trailers are required to have insurance attached to the unit.
Teardrop trailers, however, do not legally require insurance to be pulled behind vehicles. The debate is that like most other insurances, it is a good idea to keep insurance on your teardrop camper. Let us explain why.
No one plans on it, or any accident for that matter, but the practicality of owning a trailer or camper comes into play when you think of responsibility and cost. It may not be the glamorous side of travel, but you will be thanking yourself down the road for being prepared.
There seems to be a need for insurance in almost every aspect of daily life. From vehicles and trailers to storage insurance and beyond. Recreational vehicles of all sorts legally require insurance, especially if they aren’t the type of trailer to be towed behind an SUV or truck.
So at this point you might be wondering, are teardrop trailers worth it? After all the original cost of the unit, miscellaneous expenses, pots and pans, not to mention all the other little things that add up. I for one can tell you that teardrop trailers are defiantly worth it…
Why should you think about getting insurance for your teardrop trailer?
- Protection for Yourself – Choosing to get comprehensive insurance coverage for your camper will protect you financially, should you get into a roadside accident or if weather anomalies of any kind wreak havoc on your tiny trailer. You can count on the insurance company to provide you with compensation to repair your teardrop and get it back to functioning status without digging into your own pocketbook.
- Protection for Others – Should your trailer be the cause of an accident injuring others or other’s property, then your insurance will cover the damages done or at least ease the financial burden in the realm of property damage.
- Allows You Inner Peace – Carrying insurance on your teardrop will allow you a little peace of mind on your travels. You won’t be worrying about the entire trip, which will allow you to fully embrace the adventures that await you! Insurance gives you that inner peace of knowing you are covered should unforeseen circumstances find you on your way out of town.
- Stolen Goods – Theft is an unfortunate occurrence in our society, and trailer insurance will protect your assets should any of your personal items be burglarized from your trailer. You will also be compensated should your teardrop be vandalized or stolen.
- Roadside Assistance – Your current vehicle insurance is likely to offer extras like roadside assistance, however it is unlikely that extends to your teardrop. Specific teardrop insurance will cover emergency happenings along the roads, and they will also cover hotel expenses should your trailer be too damaged for you to continue staying in it. A convenience you will not be able to go without if you are counting on an extended trip and are far from home.
Teardrop Trailer Insurance
All things to consider when you are rolling around the idea of insurance. Legally, teardrop insurance isn’t required, but ethically it makes sense to purchase a policy. Not only to cover others in all matters of legality, but also to protect yourself and financial security.
Now that you have decided to purchase a small policy, we already know your next question… Where can I purchase insurance for my teardrop trailer? We recommend that you reach out to your current vehicle insurance company to start.
You may receive a bundled discount, which will be extra savings in your bank account. If they don’t currently offer insurance for recreational vehicles or trailers, then be sure to ask for recommendations from your current company.
Insurance Gives You Peace of Mind
In the long run, owning a teardrop is considerably more affordable than other forms of camping or travel accommodations. A small insurance policy is not going to break the bank and will be like a daily cup of coffee at your local shop while providing more benefits to your adventures.
You will be surprised at the extra relaxation you will experience when you aren’t worrying about things like how much a new bumper will cost after that last windy storm. Your future self will thank you! Adventure away, friend, with no worries in sight! Get on the teardrop list to receive information related to teardrop camping.
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