Pop-Up Camper Insurance

Pop-up campers, or pop-up tent trailers, are great for weekend getaways and a fairly simple and moderately priced alternative to an RV or a fifth wheel trailer. However, many people don’t have insurance for their tent trailer or the possessions they carry on board. This could leave them having to pay for hefty losses out of their own pocket after what was meant to be an enjoyable vacation.

Luckily, a local independent insurance agent can help you get set up with all the pop-up tent trailer insurance you need. They'll ensure you get a policy designed for your unique pop-up tent trailer and its contents. But first, here's a closer look at pop-up camper insurance and what it covers.

Do I Need Pop-Up Camper Insurance?

A special type of RV insurance, tent trailer insurance is useful to have because pop-up campers can be quite expensive to replace, especially newer models. Policies might be referred to as folding camper insurance or pop-up tent trailer insurance. You may actually be required to get insurance for a pop-up tent trailer if you financed it through a loan or lease. 

But even though coverage is typically not otherwise mandatory, it's still a wise decision to consider getting it. Pop-up tent trailers can be stolen, catch fire at a campsite, or get damaged by severe weather. If the trailer gets damaged, there are towing expenses to consider. Further, if you have to stay in a rented accommodation, you could end up paying quite a bit more than you expected for your trip.

You might also want to get insurance to cover your personal possessions in your pop-up tent trailer, such as cooking equipment, electronics, clothing, and valuables. Also, if your trailer was completely destroyed, and you didn't have comprehensive coverage, you would be responsible for replacing it all on your own. 

Pop-up camper liability insurance

Liability concerns are also critical to be aware of. If a guest you invited on a camping trip got injured, your pop-up camper liability coverage could cover the costs of medical treatment. This coverage can reimburse you for expenses associated with third-party claims of bodily injury or personal property damage in or near your tent trailer.

What Does Pop-Up Camper Insurance Cover?

The amount of pop-up camper insurance you need depends on a number of factors, such as how often you use your tent trailer. You may be able to add your tent trailer to your auto insurance coverage or even your homeowners insurance. 

However, if you decide to get a separate policy for any reason, you'll likely want at least the following coverages:

• Collision coverage: Pays for damage to your pop-up camper from a collision with another object, regardless of fault. 
• Comprehensive coverage: Pays for damage to your pop-up camper due to a non-collision event such as a flood or theft. 
• Liability coverage: This can pay for expenses related to lawsuits stemming from third-party claims of personal property damage or bodily injury caused by your pop-up camper or at your campsite.
• Total loss replacement coverage: This can pay to replace your pop-up camper with a similar one from the same model year or newer if it gets totaled by a covered loss.
• Personal effects coverage: This can cover any personal belongings in your pop-up tent trailer, such as camera equipment, other gear, smartphones, and more, against theft, damage, or destruction by covered perils like fire.

You may also want to purchase additional coverage for emergency expenses and other potential disasters. An independent insurance agent can advise you on how to best complete your pop-up camper insurance policy.

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How Much Does Pop-Up Camper Insurance Cost?

The cost of pop-up camper insurance can vary based on several factors. The following can influence your pop-up tent trailer insurance rates:

If you have added any safety devices or have a clean driving record, you could possibly receive pop-up camper insurance discounts. You can also reduce your premium by selecting a higher deductible. You may be able to cover more than one trailer on a single policy to save money as well.

Best Pop-Up Tent Trailer Insurance Companies

We found the best RV insurance carriers that can provide you with the right kind of insurance for a pop-up tent trailer. Check out these excellent RV insurance companies to find the best pop-up tent trailer insurance policy for you.


 
    
        
                   
    


Pop-Up Tent Trailer Insurance 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

An Independent Insurance Agent Can Help You Find Pop-Up Camper Insurance

Independent insurance agents have access to multiple insurance companies, so they can shop and compare policies and rates for you. They'll get you matched to the pop-up tent trailer insurance that offers the best blend of coverage and cost. And down the road, your agent can help you file camper insurance claims or update your coverage as necessary.