Fifth Wheel Trailer Insurance

A fifth wheel trailer is a great way to haul in style and comfort. But road hazards, accidents, and run-ins with wildlife can quickly take all the fun out of your excursion. Having the right fifth wheel trailer insurance can help you recover from mishaps and get back on the road.

A local independent insurance agent can help you find the best fifth wheel trailer insurance for your specific vehicle. They'll ensure you get matched to the ideal policy that considers your personal needs. But first, here's an overview of fifth wheel insurance and why it's necessary.

What Is a Fifth Wheel Trailer?

Fifth wheel trailers are the most similar in size to Class A motorhomes. They're the largest trailers available and are designed to be hauled by pickup trucks and other vehicles. Many people use fifth wheel trailers for storage, but others use them as living spaces. 

Since these trailers extend over a truck bed for maximum capacity, they are an attractive type of alternative home for many individuals. Using a fifth wheel trailer can offer more flexibility than an RV or other types of motorhomes.

What Is Fifth Wheel Trailer Insurance?

Your RV insurance or other type of auto insurance policy often won't cover your fifth wheel trailer. Special travel trailer insurance policies are often necessary to protect your fifth wheel trailer against losses caused by threats like collisions, theft, vandalism, and more. 

Insurance for fifth wheel trailers isn't always required by law, but it's still a wise investment most of the time. Without this coverage, you could have to pay out of your own pocket to repair or replace your trailer or its contents after an incident. 

You can often extend your RV liability insurance, however, to cover your fifth wheel trailer. You can also extend liability coverage from the vehicle that tows the fifth wheel trailer, even if it's not an RV. That way, if you get hit by a third-party lawsuit over a claim of bodily injury or personal property damage caused by your trailer, your policy should cover related expenses.

What Does Fifth Wheel Trailer Insurance Cover?

Often, you can customize a fifth wheel trailer insurance policy to meet your needs and intended uses of your trailer. You'll likely want a policy that includes the following:

• Collision coverage: Pays for damage to your trailer from a collision with another object, regardless of fault. 
• Comprehensive coverage: Pays for damage to your trailer due to non-collision events, such as flood or theft. 
• Towing and roadside assistance coverage: This can cover the cost of emergency roadside services, such as towing, if your fifth wheel trailer breaks down and leaves you stranded on the road.
• Full-timer's liability coverage: If you live in your fifth wheel trailer full-time, you might need special liability coverage in case of bodily injury or personal property damage suffered by others due to your fifth wheel trailer or your RV campsite. You might also hear this coverage referred to as full‑time fifth wheel insurance.
• Total loss replacement coverage: This can cover the full replacement of your fifth wheel trailer with a brand-new vehicle of the same model year or newer if your vehicle gets totaled due to a covered loss. If the policyholder decides not to replace their vehicle, they may be able to receive compensation for the purchase price of the trailer instead.
• Emergency expense coverage: This can cover the cost of lodging and other necessities if your RV and fifth wheel trailer break down a certain distance from home.

You may be able to customize your policy to include increased protection for contents stored in your fifth wheel trailer, as well as additional coverage for stationary trailers. Your independent insurance agent can help you get all the right protection, including full‑time fifth wheel insurance coverage.

Additional Coverage Options to Consider

Your fifth wheel trailer insurance policy may not be complete without adding some or all of the following coverages.

Full-time RV insurance

If you live in your RV as a permanent residence, you'll likely need this special coverage to protect against the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage.

RV vacation liability insurance

This coverage can pay for costs associated with third-party bodily injuries and personal property damage that occurs in or near your parked RV while you're on vacation.

Contents coverage (personal effects coverage)

This coverage can pay to repair or replace your personal belongings, including clothing, electronics, and more, stored in your RV. You can be reimbursed for theft, damage, or destruction of your contents that occurs while you're on the road or at the campsite.

How Much Is Fifth Wheel Trailer Insurance?

The current average cost of fifth wheel trailer insurance ranges from $350 to $1,000 annually. However, fifth wheel RV insurance costs can vary widely from one vehicle to another. 

It can be difficult to offer average pricing for coverage without knowing more specifics about your vehicle, location, and other criteria. That's because the cost of RV insurance and fifth wheel trailer insurance can depend on the following factors:

• The market value of the RV and fifth wheel trailer
• The size and other specifications of the RV and fifth wheel trailer
• Whether you use your fifth wheel part-time or live in it full-time
• The value of the contents inside the trailer
• Your location and how far you travel with your trailer
• Your driving record and claims history

If you've never filed RV insurance claims before, you might find that you can get cheaper coverage for your fifth wheel trailer. 

Fifth wheel vs. travel trailer insurance cost

Travel trailers tend to be a bit cheaper to insure than fifth wheel trailers. Here are the average annual rates for both types of vehicles.

• Travel trailer insurance: $250-$800 per year
• Fifth wheel trailer insurance: $350-$1,000 per year

An independent insurance agent can also help you find and compare RV insurance quotes and 5th wheel insurance quotes to get the most affordable coverage near you.

Best Fifth Wheel Trailer Insurance Companies

Here are some of the best RV insurance carriers that can provide you with the right kind of insurance for a fifth wheel trailer at a great rate. Check out our recommendations for the best fifth wheel trailer insurance companies to find an affordable policy.


 
    
        
                   
    


Best RV Companies	Best For	Company Rating
Progressive	Affordability	5 Stars
Nationwide	Discounts	5 Stars
Roamly	Full-time RVers	4 Stars
Good Sam	Part-time RVers	4 Stars
Allstate	Motorhomes	3 Stars

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An Independent Insurance Agent Can Help You Find Affordable Fifth Wheel Trailer Insurance

If you own a fifth wheel trailer, you can often find RV insurance discounts to reduce your coverage rates. A local independent insurance agent can find these discounts for you, as they can shop and compare fifth wheel insurance quotes, policies, and prices from multiple carriers. Your agent can also help you find the right toy hauler insurance coverage.

They'll find you a policy that provides the best overall blend of coverage and cost. And down the road, your agent can help file RV insurance claims for you and update your coverage as necessary.