Pop up tent trailers are great for weekend getaways, and are a fairly simple and moderately priced alternative to a fully enclosed RV or a fifth-wheel trailer.
However, many people don’t have insurance for their tent trailer or the possessions they carry on board. Find out how tent trailer insurance works so you can take the worry out of your next trip to the great outdoors.
The simplest way to shop for affordable pop up trailer insurance is to contact an independent agent in our network. These agents are not affiliated with any one insurance carrier, which means they can help you compare rates and get coverage that matches your unique needs.
Find a local independent agent today and get tent trailer insurance quotes before you hit the road.
Tips To Prevent Tent Trailer Theft
- Lock up your tent trailer when you leave
- Camp near others when you travel
- When your trailer is at home or in storage, lock it securely to a pole or stationary object
- Use a wheel lock or kingpin lock
- Add a GPS locator device
What Is a Tent Trailer?
A typical tent trailer is usually 12 feet or smaller in length when closed, but can open up to between 15 and 23 feet. They come with collapsible walls, making them easy to set up.
A tent trailer can typically sleep up to 8 people. The more expensive models can also come with a refrigerator and a stove. They are hitched to a vehicle and towed as a trailer, then set up as an off-the-ground tent at the camp site.
Do I Need Tent Trailer Insurance?
Tent trailer insurance is very useful to have because tent trailers can be quite expensive to replace, especially newer models. You may want to consider buying insurance for your PUP (pop-up trailer) if you had to finance it through a loan at the time of purchase.
If your trailer was completely destroyed, and you did not have comprehensive coverage, you would still be responsible for the payments.
Tent trailers can be stolen, catch fire at a camp site, or become damaged by severe weather. If the trailer is damaged, there are towing expenses to consider, and if you need roadside assistance or have to stay in a rented accommodation, you could end up paying quite a bit more than you expected.
It is also a good idea to consider buying insurance to cover your personal possessions in your tent trailer, such as cooking implements, electronics and valuables.
There is also the issue of liability. If a guest that you invited on a camping trip was injured, your liability coverage can help cover the costs of medical treatment. Insurance provides both protection and peace of mind for events that are possible, however unlikely.
How Much Coverage Do I Need for a Pop-Up Tent Trailer?
The amount of PUP insurance you need depends on a number of factors, such as how much you use your tent trailer. You may be able to add your tent trailer on to your auto insurance coverage, or even your homeowners insurance.
If you do buy a separate policy, you will want to make sure that you have liability coverage, collision coverage that will help you repair or replace your trailer after a collision, and comprehensive insurance to cover theft or damage from hail, wind or lightning.
You may also want to purchase more coverage for vacation liability, emergency expenses, increase the coverage for personal possessions, buy replacement cost (especially with a new or more expensive tent trailer), or for a full timer’s package.
What Pop-Up Trailer Owners Should Know About Insurance
It is a good idea to know how your tent trailer is rated and how much the premium will cost. The insurance company will measure a number of variables such as:
- The age, make and model of the trailer
- The trailer's current condition
- The dimensions of the trailer
- The drivers who will be included in the policy
- Any safety devices you have installed
If you have added any safety devices, you could possibly receive a discount on your insurance. You can also reduce your premium by taking on a higher deductible. You may be able to cover more than one trailer on a single policy.
Your tent trailer is an investment, so make sure that you have insurance to cover damage or liability claims. It’s also important to make sure your personal possessions are adequately covered.
To find the right tent trailer coverage for your needs, contact a local independent agent in our network. One of these local member agents can shop around for you and find the most competitive rates.
Find an agent in your area today to get tent trailer insurance in place so you can sit back and enjoy your weekend around the camp fire.