What’s travel trailer insurance?
Travel trailer insurance is a type of RV insurance. It helps protect recreational trailers you tow behind your car or truck.
The USAA Insurance Agency works with Progressive to help you make sure you have travel trailer coverage that fits your needs.
Do you need insurance on a travel trailer?
It’s not required by law. If you’re financing your trailer, your lender may require you to have comprehensive and collision coverage.
To get these, you may be able to add your travel trailer to your USAA auto policy. However, you’ll get more protection with travel trailer insurance.
Why get a policy through the USAA Insurance Agency?
Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.
We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925.
What you need to get a travel trailer insurance quote
We’ll need this info to help make sure you get the right coverage:
- Make and model
- Where you keep the trailer
- Current value or bill of sale
How much is travel trailer insurance?
Premiums can start around $500 a year, but your cost depends on several factors. They include things like the kind of trailer you have, how you use it, your location and how much coverage you get.
Travel trailer insurance FAQ
A USAA auto policy could provide limited coverage for your trailer only if you already insure another vehicle.
- Liability, personal injury and medical payments to others: This coverage automatically extends to your trailer when you tow it. You don’t have to add your trailer to your auto policy.
- Collision and comprehensive: If a vehicle you already insure on the USAA policy has these, you can get coverage for your travel trailer. To do this, you’ll need to add it to your policy as another vehicle.
But auto insurance won’t cover your trailer if you use it for business or as a permanent residence.
Travel trailer insurance can offer broader coverage options, including:
- Coverage for your personal belongings inside your trailer.
- Extra liability protection where you live, work and play.
- Uninsured and underinsured motorist protection.
- Pet injury coverage.
- Roadside assistance.
- RV association fee coverage.
- Emergency expense coverage if your trailer breaks down.
USAA Homeowners Insurance could help cover your personal belongings for up to $1,500 minus your deductible.
Liability and medical payments coverage extends to your trailer when it isn't attached to the towing vehicle.
Yes. Your policy can help pay to repair or replace your trailer if it’s damaged by hail, hurricanes or tornadoes.
No. To help protect your trailer on a permanent foundation, you’ll need mobile home insurance.
Hitch your trailer to the right insurance.
Have more questions?
Dedicated representatives at Progressive are ready to help.
For TTY devices, dial 711
Hours of operation for Progressive
Note: Days and times may vary.