Trailers and Campers
Trailers are covered by your auto policy while they’re in transit but they’re not while stationary in your yard or campsite. You should protect your camper or trailer for both its physical value and contents – after all it is a home away from home. Liability extends to your trailer while it’s parked abroad which means if someone is hurt and your held responsible, your policy will protect you against damages.
You can add coverage for vacation trailers and camper units to your home, condominium, or tenant’s insurance policy. This can include the built-in accessories and equipment that are part of the trailer unit. Attachments such as awnings can also be insured. Utility trailers can be covered separately. You should consider this option carefully, as your homeowner’s policy may only provide limited coverage.