There is nothing better to escaping the daily grind of urban life than taking off with a camper and enjoying the great outdoors. Some people like rough it with a tent and some matches. Others like a little more comfort with a fifth wheel or pop-up camper attached to the back of their truck. Others may prefer the luxury of a motorized camper that they can drive. Regardless of what you prefer though, are you properly insured for it?
1. Good Old Fashioned Tents
• Your vehicle will be covered under your car insurance depending on the coverage you chose; however, there are no provisions for personal belongings in the vehicle.
• However, you can be covered for loss to personal property through renter’s (tenant) or homeowners insurance under the personal property coverage.
• If you do not have tenant or homeowners insurance and you total your vehicle and all your camping gear or there is fire or storm damage, you cannot recoup the loss to your personal belongings.
2. Pull-behind campers and pop-ups.
• Anything you haul with your vehicle will have extended liability protection from your auto insurance.
• If you own a pull-behind type mobile unit, you will want to make sure that your liability limits on your auto insurance are set as high as you can get it or afford it. You have a higher chance of injuring more people more severely when you are in a powerful vehicle and are hauling something behind it.
• Keep in mind that the coverage that extends from your auto policy is strictly for liability, not physical damage. If you want coverage for collision or comprehensive damage to the pull-behind camper or trailer, you will want to discuss your options with your insurance carrier or agent.
• A motorhome needs to have at least the minimum liability coverage required for any vehicle registered for road use. With the higher potential for serious injury hitting someone in that big motor home, you are going to want to carry high liability limits
• If you want physical damage coverage for your motorhome, you must have comprehensive and collision coverage on it.
• Most insurers who cover motor homes also cover the contents on the motor home policy. Be sure to get detailed information about your options.
Now that you are properly insured, go have fun and enjoy the scenery!
-Desiree Baughman, InsuranceQuotes.org, @DesireeBaughman