Toy Hauler Insurance

Toy haulers can be fifth wheel trailers, travel trailers, or motorhomes. A toy hauler trailer can also be an expensive investment, with prices ranging from $35,000 to $210,000 for luxury models. Consider protecting that investment with toy hauler insurance to shield against losses from vandalism, lawsuits, collisions, and more.

A local independent insurance agent can help you find the right toy hauler insurance policy. They can shop and compare options from multiple RV insurance companies to find you the best coverage. But first, here's a closer look at toy hauler insurance, what it covers, and more.

What Is Toy Hauler Insurance and Why Do You Need It?

A toy hauler camper is a type of RV that has a motor and is self-powered. As such, most states require these vehicles to have insurance coverage. While in some cases, your homeowners insurance or auto insurance might provide coverage for your toy hauler, you'll likely need a separate policy to get complete coverage.

Toy hauler insurance can include coverage for liability, collisions, and more. Liability coverage protects you against third-party claims of bodily injury or personal property damage that occurs in or near your motorhome. 

Collision coverage can reimburse you for damage to your toy hauler if it's involved in a collision with another motorhome or object. Further, you can complete your policy with comprehensive coverage, which can reimburse you for many other causes of damage or destruction to your RV.

What Does Toy Hauler Insurance Cover?

Typically, there are several coverage options for toy haulers. Your toy hauler insurance policy may include some or all of the following:

• Liability coverage: Liability toy hauler trailer insurance can pay for third-party bodily injuries and personal property damage that occurs on, near, or due to your toy hauler. 
• Collision coverage: Pays for damage to your toy hauler from a collision with another object, regardless of fault. 
• Comprehensive coverage: Pays for damage to your toy hauler due to non-collision events, such as a flood or theft. 
• Towing and roadside assistance coverage: This can cover emergency roadside services, such as towing, if your toy hauler is stranded on the road after a breakdown.
• Full-timer's liability coverage: If you live in your toy hauler as a permanent residence, you might need special liability coverage. 
• Toy hauler insurance replacement cost: This can cover the full replacement of your toy hauler with a brand-new RV of the same model year or newer if your vehicle gets totaled due to a covered loss. If you choose not to replace your toy hauler, you might receive compensation for the purchase price of the motorhome instead.
• Emergency expense coverage: This can cover the cost of lodging and other necessities if your toy hauler breaks down a certain distance from home.
• Contents coverage (personal effects): Toy hauler contents insurance can provide reimbursement if your personal property, such as clothing or electronics, stored in your toy hauler is lost, stolen, damaged, or destroyed by a covered peril like a fire or vandalism. 
• Medical payments coverage: This can pay for medical and funeral expenses for you and your passengers if you're injured in an accident involving your toy hauler, regardless of fault.

An independent insurance agent can help you build a complete toy hauler insurance policy that includes every type of coverage necessary.

How Much Does Toy Hauler Insurance Cost?

The current average cost of toy hauler insurance ranges from $400 to $900 per year. Toy hauler policies typically are similar in price to travel trailer insurance and fifth wheel insurance. 

However, the cost of insurance for your toy trailer can depend on a number of factors, such as:

• The make and model of the toy hauler
• The size of the trailer
• The age and condition of the trailer
• The deductible you choose
• The insurance coverage options you carry
• Your past claims history

While you can compare toy hauler insurance quotes online yourself, an independent insurance agent can also help gather and compare RV insurance quotes for you. They'll get you matched to affordable toy hauler insurance near you.

Tips to Lower Your Toy Hauler Insurance Premiums

Fortunately, there are a few ways you can easily reduce your toy hauler insurance rates. Consider the following options.

1. Choose a higher deductible

Typically, the higher your policy's deductible, the lower the monthly or annual premium rate will be. Just keep in mind that you'll have to pay your deductible amount out of pocket before receiving any reimbursement each time you file a claim. 

2. Bundle your coverage

You can often bundle toy hauler insurance with another policy, such as auto insurance, through the same carrier. Many insurance companies offer bundling discounts on each policy when you do this.

3. Avoid accidents and other claims

Remaining claims-free is a great way to keep your premium rates low for toy hauler insurance. Drive safely and take proactive measures to protect your motorhome, such as storing it in a garage while not in use.

4. Pay your premium in full

Many insurance companies allow you to pay your annual premium in full instead of in monthly payments. In most cases, doing so will earn you a bit of a discount.

5. Ask about other discounts

Be sure to ask your insurance company about any RV insurance discounts you could be eligible to receive. Your independent insurance agent can also find and apply any toy hauler insurance discounts you qualify for.

Top Toy Hauler Insurance Companies and Quotes

These top-rated RV insurance carriers can provide you with the right kind of insurance for a toy hauler at a great rate. Check out our recommendations for the best toy hauler insurance companies to find an affordable policy.


 
    
        
                   
    


RV 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

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An Independent Insurance Agent Can Help You Get Toy Hauler Insurance

When you're ready to get equipped with the right RV insurance or toy hauler insurance, no one's better equipped to help than a local independent insurance agent. These agents have access to multiple insurance companies, so they're free to shop and compare toy hauler insurance quotes and policy options for you. And down the road, your agent can help you file RV insurance claims and update your policy when necessary.