When we look at what can be broadly classified as “towable” or non-motorized units there are all sorts of variety and nuances can that can be introduced. The long and short of it is that we do provide travel trailer insurance for all sorts units including conventional travel trailers, fifth wheels, toy haulers, and more. In most states we can provide travel trailer insurance for units up to $200,000 in value. Below is how we define each of our insurable travel trailers.
Conventional Travel Trailer Insurance – A conventional travel trailer is one that is towed by bumper or frame hitch. It must include living quarters that include bathroom, kitchen, and sleeping facilities among other requirements. They can be stationary, but there are state limitations.
Fifth Wheel insurance – Fifth wheels are distinguished by their gooseneck hitches that are designed to extend into the bed of a truck, and connect to the ball located in the center of the bed. Similar to conventional travel trailer these must have living facilities, can be stationary subject to limitation. Fifth wheel trailers have several advantages over conventional travel trailer as the goose neck hitch offers better load transfer and weight distribution than bumper hitches. Consequently, there is increased stability resulting in better operator control and safety. Fifth wheels can be hauled by pickup trucks, but also have the versatility of being pulled by medium duty tow unit which are semi-trucks that have been modified to pull fifth wheels.
Toy Hauler insurance – Toy haulers can be of the bumper pull or fifth wheel variety. They must include living quarters, but unlike traditional travel trailers or fifth wheels they also include storage space for items such as ATVs, Motorcycles, or all sorts of things.
Regardless of the type of travel trailer you have, the RV Insurance Professionals at Gila Insurance Group can probably insure it.
This coverage explanation is for illustration purposes only and is general in nature. Coverage explained here may not apply to your policy, State, company, or situation. For more information about how your policy would respond in the event of a loss, please refer to the terms and conditions and declarations page of your policy.