RV Insurance for Towed Trailers: What Travel Trailer Owners Need to Know

Travel trailers and towed RVs offer the freedom to explore the open road and enjoy the outdoors. However, owning a travel trailer comes with unique risks and responsibilities. RV insurance can help financially protect your investment and provide peace of mind, whether you’re a seasoned traveler or considering your first trailer purchase. 

Insurance Requirements for Towed Trailers  

In Georgia, liability insurance is required for motor vehicles, but travel trailers themselves are not required to carry separate liability coverage since they are towed by an insured vehicle. However, this coverage only extends to damage or injuries you may cause to others while towing. It does not protect your trailer from physical damage, theft, or loss of personal belongings inside. 

Coverage Options for Travel Trailers 

To financially protect your towed RV, consider these insurance options: 

• Comprehensive and collision coverage may help pay for repairs or replacement if your trailer is damaged by accidents, weather, fire, theft, or vandalism. 

• Personal belongings coverage may cover items stored inside your trailer, such as camping gear, electronics, and clothing. 

• Emergency expense coverage may cover costs like lodging or transportation if your trailer becomes unusable during a trip. 

• Roadside assistance may help with towing, flat tires, or battery issues while traveling. 

• Accessory coverage may cover attached items like awnings or bike racks. 

Important Considerations for Trailer Owners 

• State laws—While Georgia does not require separate trailer insurance, lenders may if you finance your trailer. 

• Gaps in auto or home Insurance—Standard auto or homeowners policies often do not cover damage to your trailer while in use or on the road. 

• Usage—If you use your trailer as a temporary residence, consider vacation liability coverage for added protection while parked. 

Contact Us 

The team at Top Insurance LLC in Duluth or Lawrenceville, Georgia can help you review your needs and find the right policy for your travel trailer, ensuring you’re protected wherever your adventures take you. 

Contact us today to discuss your coverage options with our knowledgeable team. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.