Pop-up campers, or pop-up tent trailers, are collapsible, towable units that are great for weekend getaways and a fairly simple, 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 pockets 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 or folding camper insurance you need. They'll ensure you get a policy designed for your unique pop-up tent trailer or camper and its contents. But first, you can use our guide to pop-up camper insurance or tent trailer insurance to learn more about what it covers, how much it costs, and common policy options in 2026.
Key Takeaways - Pop-up Camper Insurance: 2026
Pop-up camper insurance is a specialized form of RV insurance that covers collapsible, towable units against physical damage and more.
Pop-up campers and tent trailers are the most affordable type of RV to insure, on average.
Pop-up camper insurance costs an average of $200 to $550 per year in 2026, but your coverage costs may vary depending on the type of tent trailer you have and other factors.
Working with a local independent insurance agent is strongly recommended, as they can shop and compare pop-up camper insurance rates from multiple carriers near you to find the best deal.
Do You 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. While coverage isn't legally required for towable pop-ups, you may actually be required to get insurance for a pop-up tent trailer if you financed it through a loan or lease. Otherwise, pop-up campers and tent trailers aren't required to be covered by insurance because they aren't motorized vehicles, unlike RVs and other motorhomes.
But even though coverage is typically not mandatory, it's still a wise decision to consider getting it. While your car insurance liability coverage extends to your pop-up camper or tent trailer while it's hitched, physical damage coverage doesn't apply. 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.
If you've been asking, "Do I need insurance for a pop-up camper?" 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 yourself.
What your auto insurance covers when towing a pop-up
Liability coverage in a car insurance policy extends to third-party bodily injuries and personal property damage while your pop-up is hitched. However, your auto policy's collision coverage and comprehensive coverage don't extend to your trailer. This means that if your pop-up camper or tent trailer is damaged by a crash, theft, fire, or storm, it would only be covered by a dedicated pop-up camper or tent trailer insurance policy. Be sure to work with an independent insurance agent to get set up with all the right types of RV insurance, including for your camper or tent trailer.
What your homeowners insurance covers for a pop-up
Homeowners insurance and renters insurance policies may extend personal property or contents coverage to belongings kept in your pop-up camper or tent trailer. However, coverage is typically capped at 10% of your total personal property limits. So, a home insurance policy with $125,000 in personal property coverage would have about $12,500 for off-premises contents, such as those stored in a pop-up.
Additionally, neither homeowners nor renters insurance covers the structure of the trailer against physical damage. An independent insurance agent can further explain the differences between pop-up camper vs. homeowners insurance or renters insurance.
Pop-up camper liability insurance
Liability concerns are also critical to consider. If a guest you invited on a camping trip was injured, your pop-up camper liability coverage could help pay for their 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. However, this coverage is distinct from auto liability insurance while towing your pop-up. Be sure to ask your independent insurance agent to help you get equipped with an appropriate amount of pop-up camper liability coverage.
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 or folding camper insurance policy.
Optional coverage add-ons for pop-up campers
There are a few key coverages that many RVers add to their pop-up camper or tent trailer insurance policies:
- Vacation liability coverage: Pop-up camper vacation liability coverage pays for expenses associated with guest injuries and personal property damage that occurs in or near your pop-up while it's parked as temporary lodging on your vacation.
- Emergency expense coverage: Pop-up camper emergency expense coverage pays for hotel and meal costs if your camper becomes uninhabitable while you're on a trip and you need temporary lodging.
- Roadside assistance coverage: Pop-up camper roadside assistance coverage pays for professional towing, flat-tire assistance, or lockout services.
- Pest damage coverage: Pop-up camper pest damage coverage pays for repairs to damage caused by wild animals, such as chewed wiring by rodents.
An independent insurance agent can help you complete your pop-up camper insurance policy and add any additional coverage you may need.
How Much Does Pop-up Camper Insurance Cost in 2026?
Pop-up camper insurance costs per year average $200 to $550. So, how much does pop-up camper insurance cost per month? It ranges from about $17 to $46. Pop-up campers and tent trailers typically have the cheapest insurance premiums of any type of towable RV.
An 18-foot pop-up camper valued at $11,000 costs an average of $37 per month to insure. The table below compares pop-up camper insurance costs to other trailer types, including fifth-wheel trailers, travel trailers, and toy haulers.
| Trailer Type | Value | Length | Average Monthly Insurance Cost |
|---|---|---|---|
| Pop-up camper | $11,000 | 18 ft. | $37 |
| Fifth-wheel | $43,000 | 40 ft. | $72 |
| Travel trailer | $23,000 | 29 ft. | $83 |
| Toy hauler | $85,000 | 39 ft. | $96 |
| Airstream | $150,000 | 33 ft. | $293 |
Factors that affect your pop-up camper insurance rate
The cost of pop-up camper insurance can vary based on several factors. The following can influence your pop-up tent trailer insurance rates:
- The age, make, and model of the trailer
- The trailer's current condition
- The dimensions of the trailer
- Your driving history
- Your claims history
- Any safety devices you have installed
- How the trailer is stored when not in use
- Credit score (in most states)
- Storage security level (i.e., enclosed vs. open lot)
- Frequency of use (i.e., full-time vs. part-time)
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.
How to save on pop-up camper insurance
There are several common pop-up camper insurance discounts you can ask your carrier about, including the following:
- Multi-policy or bundling discount: Offered when you buy your pop-up camper insurance and another policy, such as auto insurance or home insurance, with the same carrier.
- Original owner discount: Offered when you are the pop-up camper's original owner.
- Accident/violation-free driver discount: Offered when you've gone at least three years without an accident or traffic violation on your driving record.
- Seasonal storage discount: Offered when you store your pop-up camper during the off-season. Progressive's discount averages 25%-53%.
- Paid-in-full discount: Offered when you pay your entire premium annually or semi-annually, rather than monthly.
- RV club membership discount: Offered when you belong to an RV association or club, such as Good Sam or FMCA.
An independent insurance agent can help find and apply any savings you qualify for by comparing coverage from multiple carriers near you. They'll help you add pop-up camper insurance storage discounts and any others you're eligible to receive.
Best Pop-up Camper Insurance Companies of 2026
We found the best RV insurance carriers that can provide you with the right kind of coverage 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 |
|
| Nationwide | Discounts |
|
| Foremost | Specialty Coverage |
|
| Roamly | Full-time RVers |
|
| Good Sam | Part-time RVers |
|
| Allstate | Motorhomes |
|
How to Get a Pop-up Camper Insurance Quote
It's easy to get a pop-up camper insurance quote when you follow these steps:
- Gather your trailer information, including the year, make, model, VIN, and condition.
- Choose the type and amount of coverage you want by considering where and how you'll use your camper or tent trailer and your unique exposures.
- Confirm your lender's coverage requirements if your camper or tent trailer is financed.
- Compare quotes from at least three different insurance companies.
An independent insurance agent can shop multiple RV insurance companies simultaneously to find the most affordable coverage near you.
FAQs About Pop-up Camper Insurance
Is pop-up camper insurance required by law?
Most states do not require insurance for towable pop-up campers unless the trailer is financed or leased. Your tow vehicle's auto liability covers third-party claims while hitched but does not cover damage to the trailer itself.
How much does pop-up camper insurance cost per year?
Pop-up campers typically cost $200-$550 per year in 2026, or roughly $17-$46 per month, and are the most affordable towable RV category for insurance. Coverage for an 18-foot pop-up camper valued around $11,000 averages approximately $37 per month. Actual cost depends on trailer value, coverage selections, driving record, and location.
Still asking, "How much does pop-up camper insurance cost?" A local independent insurance agent can help you compare pop-up camper insurance costs per year in your area.
Does my auto insurance cover my pop-up camper?
Your auto policy's liability coverage typically extends to a towed pop-up while hitched, but it does not cover physical damage to the trailer from an accident, theft, fire, or weather event. A dedicated pop-up camper policy covers the trailer's structure and its contents against damage, theft, etc.
What is vacation liability coverage for a pop-up camper?
Pop-up camper vacation liability coverage is an optional add-on that covers bodily injury or property damage to guests at your campsite while your pop-up is parked and used as temporary lodging. It functions like homeowners liability coverage but travels with you.
Can I add my pop-up camper to my homeowners insurance?
Homeowners or renters policies may cover personal belongings in your pop-up (typically capped at 10% of personal property limits), but neither policy covers the trailer's structure. A dedicated pop-up camper policy is needed for full protection. An independent insurance agent can also help you compare pop-up camper vs. homeowners insurance and renters insurance.
What discounts are available for pop-up camper insurance?
Common pop-up camper insurance discounts include multi-policy bundling, original owner discount, accident/violation-free driver (i.e., 3+ years), seasonal storage discount, paid-in-full, and RV club membership (e.g., Good Sam, FMCA). Independent insurance agents can identify all eligible discounts across carriers at once, including pop-up camper insurance storage discounts.
What is the difference between folding camper and RV insurance?
Folding camper insurance (also called pop-up tent trailer insurance or tent trailer insurance) is a specialized form of RV insurance designed for collapsible, towable units. Unlike motorized RV policies, a dedicated folding camper policy does not require a standalone liability provision since your tow vehicle's liability coverage applies while towing it.
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. Your agent can compare vacation liability add-ons, storage discount eligibility, and total loss replacement coverage across carriers. 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.
Sources
https://www.cnbc.com/select/best-rv-insurance/
https://www.progressive.com/rv-trailer/pop-up-tent-trailer-insurance/
https://www.rvingknowhow.com/pop-up-camper-insurance/
https://www.valuepenguin.com/auto-insurance-trailer-insurance
https://insurify.com/specialty-vehicles/rv/