A caravan is a nonmotorized trailer that you tow behind your car. It can be a camper that you sleep in during long trips. It can also be a trailer that carries other nonmotorized vehicles, such as canoes and kayaks.
You need the right insurance when you tow a caravan behind your vehicle. While some auto insurance policies cover caravans, many do not. And often, the ones that cover it provide incomplete protection. Before you set off on a trip with your caravan in tow, you should review your coverage. Determine if any gaps need filling. You can buy supplemental coverage for your caravan from several sources.
Enter your zip code above and compare free car insurance quotes to find a company that has you covered at home and on the road.
Types of Caravan Coverage
Several types of insurance can protect you while towing a caravan. These include the following:
- Liability coverage
- Personal injury protection (PIP)
- Collision insurance
- Comprehensive coverage
- Property insurance
- Content coverage
Liability coverage protects you in case of injury or property damage to another person. Almost all states require you to have a certain level of liability coverage. If you tow a caravan without this coverage and cause an accident, you might have to pay for damages out of pocket. If you don’t have the money, the other party can sue. You could have your wages garnished or assets seized until the balance is satisfied.
For these reasons, it is vital to have liability coverage. Putting a caravan behind your vehicle introduces a new set of potential mishaps. Liability coverage protects you if your trailer slips from its hitch and damages another vehicle. It also covers the damage if you hit a vehicle or building with your caravan while backing up.
Personal Injury Protection
A personal injury protection (PIP) policy pays for injuries you suffer in an accident. It pays whether you were at fault in the accident or not. States such as Florida that have no-fault car insurance laws require PIP coverage. It comes standard with auto insurance policies in those states.
Collision insurance covers damage to your own vehicle when you’re at fault in an accident. You don’t need it for accidents in which the other driver is at fault. In those situations, the other driver is financially responsible.
Collision insurance is usually worth the money when towing a caravan. Most campers and other trailers aren’t cheap. If you lack collision coverage and destroy your caravan, you won’t receive reimbursement.
Comprehensive coverage pays for damages that aren’t collision-related. It covers the repair costs if someone vandalizes your car, for instance, or if a tree falls on it during a severe storm.
Having both comprehensive and collision coverage when towing a caravan gives you peace of mind. You know you’re protected in nearly every disaster scenario.
Property insurance also pays for damage to your caravan. But there’s a difference between property and collision insurance. Property insurance usually comes with your homeowner’s policy, whereas collision insurance usually comes with your auto policy.
Check your homeowner’s policy if your auto policy doesn’t offer collision coverage for caravans. It might feature a property insurance provision that gives you the coverage you need.
Property insurance covers your caravan itself but not the contents inside. To protect what’s inside your camper or trailer, you need content coverage. Again, your homeowner’s or renters policy is the best place to look for this coverage. If you don’t currently have content coverage, you can probably add it by contacting your insurance company.
Does my auto insurance policy cover me for towing a caravan?
Depending on your policy, your insurance could offer anything from no coverage to full coverage for caravan towing. Chances are, it’s somewhere in between. It is important to review your policy before towing a caravan. The fact that you pay for full coverage (liability, collision, and comprehensive) doesn’t mean your coverage extends to caravan towing.
After checking your auto insurance policy, check your homeowner’s or renters policy. You might be surprised by what it covers. These policies often feature property or content coverage for caravan towing.
Supplemental Coverage for Towing a Caravan
If your auto or homeowner’s policy lacks caravan coverage, or if it provides coverage, but not enough, you might consider a supplemental policy. You can buy one from several sources. The first place to look is with your current insurance provider. It might be able to add a rider to your existing policy that covers your caravan. If you expect towing a caravan will be a one-time thing, such as for a cross-country trip, ask if they offer temporary policies.
Credit card companies offer another place to look. They often provide various types of temporary insurance for unique situations. You might be able to find an affordable policy to cover your caravan.
If you’re renting a caravan, check with the rental company to see what coverage comes standard. You might be able to pay extra and upgrade your coverage. It might be cheaper to buy coverage from the rental company than from your insurance or credit card company.
Towing a caravan can be a fun adventure. It can also offer a fun and affordable alternative to staying in hotels during long trips. But it can also be financially risky if you don’t have the right insurance in place. Be sure to check your car insurance to see if it covers you for towing a caravan. If not, ensure that you have the right supplemental coverage in place before your trip.
Enter your zip code below and compare free car insurance quotes today for your caravan!