No state requires the purchase of travel trailer insurance, but that doesn’t mean that you shouldn’t have it. After all, home insurance isn’t mandated by law either, but most homeowners wouldn’t dream of being without it.
When you purchase travel trailers insurance in Tyler, TX, you will find a number of options. Some are good for those who live in their trailer for extended periods, while others are better for people who only take the trailer out for vacations. The first variety is much like traditional house insurance and adds personal liability coverage as well as extra loss coverage. Personal liability insurance pays for up to $500,000 worth of damages caused to others. Extra medical payment coverage takes care of any ongoing medical bills others suffer while in your trailer or your property. Travel trailer insurance for full-timers also takes into account the unique circumstances that such living arrangements often include. You can get coverage for the contents of a storage shed or for assessments levied by associations.
While many people take their travel trailers to a park in some suitably balmy state and live in it all winter, others only use the trailers for vacations. These people don’t need all of the coverage that would otherwise be needed, but should have enough to prevent a substantial financial loss in case of an accident or other misfortune. Total loss coverage is a good idea for vacationers. It not only protects against the damage-related loss of the trailer but also adds some liability and emergency expense coverage.
Many types of coverage can be added to travel trailers insurance in Tyler, TX at an agency like the Kit Parkhill Insurance Agency. One of the best ones to get is replacement-cost coverage. This makes it so that if your personal effects are stolen or destroyed, the insurance company will pay their replacement cost instead of their current actual value. Since personal effects depreciate over time, getting the actual replacement cost will be a great help when you get new ones.
Roadside assistance is another good kind of coverage to add to your general travel trailer coverage. It can cost extra to get a towing company to deal with a trailer, so having special coverage that goes beyond your normal auto roadside policy is a good thing.