Do you have a pop-up camper? It’s no question to protect your investment that you’ll need to find insurance for it. A report in 2012 claimed that there were 75,000 reported RV accidents.
This is more of a reason you need to consider getting insurance, so you won’t have to worry about forking out a huge bill in case your pop-up camper gets ran off the road or you experience electrical or structural damage.
If you’ve been wondering about what you need, you’re in luck. In this article, we are going over what you’ll need and what to look for when searching for pop up camper insurance.
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What Is Pop Up Camper Insurance?
Although pop up camper is insurance is not required, its best to protect your RV by acquiring some type of insurance. Pop up camper insurance will protect you from paying out of pocket for damages done to your pop up camper in the event of an accident.
Depending on your policy, your pop camper insurance will cover the following.
- Accident on The Road
- Weather-Related Damage
- Damage Occured While in Storage
- Theft of the Camper
With a small premium to pay per month, bi-annually or quarterly, can save you thousands of dollars in out-of-pocket expenses.
What You Should Look For
When looking for pop-up camper insurance, you must find what best suits your needs. Budget will have an impact, and you may have to sacrifice some services to ensure the important policies are in place.
Total Loss Replacement
Total loss replacement gives you the option to get a brand new pop camper that is the same year make and model if your current one becomes damage. Most insurance companies will offer this policy even if your vehicle isn’t totaled.
You may also choose to receive a lump sum of what you paid to go towards a new camper of your choice.
Comprehensive and Collision
Choose Comprehensive and collision coverage so you can be protected from damage to your RV that is out of your control. This type of coverage will pay for repairs that come from the following events.
- A tree falling on your camper
- Someone colliding into your camper while it’s being towed
- Hail damage
- Damage from high winds
Comprehensive and collision insurance is essential for any Rv enthusiast. Most insurance companies will include a deductible that you’ll need to pay. The cost of this deductible depends on how much your premium is.
Personal Possession Coverage
Some policies that we’ve mentioned above will cover your RV structure and framing, but if you have any possessions or valuables inside your pop-up camper that get damaged, you may be out of luck.
That’s why there are options for personal possession coverage. Insurance companies will give you different levels of coverage. Coverage levels may be a $500, $1,000, or $10,000 limit. This means if you’ve lost items due to theft or water damage, you’re covered.
Need more help with pop up camper insurance? Check out this guide.
Check With Your Current Vehicle Insurance
If you have insurance on your current vehicles, check with them to see if they offer pop up camper insurance as an add on. If they don’t, you may be able to bump up your tow vehicles insurance, so a towed vehicle is covered.
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