Travel Trailer, 5th Wheel and Camper Insurance in New
Good travel trailer insurance is the key ingredient for your peace of mind
whether your 5th wheel or trailer is on the road, parked on a site or in
But did you know that you can buy different types of coverage, each
offering different levels of protection? So…. how do you know you've got
the best coverage that fits both your needs and your pocket book?
The answer is right here at Pearson Insurance in Sussex. Our experts can
help you identify the right level of travel trailer insurance, tailor a
policy that's just right for you, and then arrange your protection at some
of the most competitive rates available in New Brunswick.
In fact, we've been doing just that for all types of insurance protection
across the province for more than 80 years.
Do I Really Need Insurance on my Travel Trailer?
Travel trailers can be a big investment, I know I would like the peace of
mind knowing I am covered. But…that is a decision that is for you to make
and, at Pearson Insurance, we can discuss that with you.
Do you need coverage? That depends on a few factors such as:
- how and where it is used
- do you have a loan for it
- how and where it's used
- Is it set up somewhere that requires you to have coverage on your unit
- If you lost your trailer to a fire, or someone stole it from you, would
you want to be compensated for it?
Everyone has their own reasons for buying insurance coverage, so your wants
and your needs are unique to you. That is why it is very important for you
to discuss all your options to protect you and your property with your
For instance, a couple of common questions we receive is this. "Is my
travel trailer covered by my car insurance?" or "Does my property insurance
cover my trailer and the contents of my travel trailer?" or “What if it is
stored in my garage, and my garage burned. Is it covered under the
insurance on my garage or the insurance on my home?"
The answer to that also depends on the type of auto or property insurance
you already have and what you and your insurance broker have discussed and
put in place.
But unless your policy specifically includes travel trailer insurance by
name, then if there was any type of coverage there, the level and scope of
coverage is likely to be limited and probably won't cover full replacement
For instance, you may have auto policy liability coverage that protects
against the costs of damage or bodily injury your trailer causes to others
while towing it, but doesn’t provide any coverage for the trailer itself.
However, travel trailer insurance can be added as an extension or
endorsement to your auto policy, it can be added to some home policies and
can also be a policy by itself.
For total coverage, though, many owners opt for a separate, standalone
policy because this offers the widest scope and most flexible type of
If you're not certain what type of protection you need, the experts at
Pearson Insurance can quickly advise you.
What Does Travel Trailer Insurance Cover?
We can arrange top quality coverage for all types of travel trailers --
traditional towed trailers, articulated campers, 5th wheels, pop-up tent
trailers and more. We can also arrange RV and motor home coverage, though
insurance requirements differ for motorized vehicles.
Your customized travel trailer insurance can be built around a number of
options, such as:
- Liability coverage for accidents caused by your trailer
- Campsite liability coverage including the costs of injuries caused to
people while visiting your trailer
- Full repair or replacement cost for your trailer when you're involved in
an accident. This can be based on either the trailer's current value or the
cost of a brand new replacement.
- Coverage if your trailer is lost, damaged or destroyed in a non-crash
incident such as a fire, theft or windstorm.
- Full replacement costs for accessories such as awnings and TV dishes
and/or contents that are lost, stolen or otherwise damaged
- Towing and roadside assistance
- Emergency coverage to get you back home or continue your vacation after a
breakdown or accident.
How Can I Save Money on my New Brunswick Travel Trailer Insurance?
As an independent broker, Pearson Insurance work with a number of travel
trailer insurers, so we can shop around for the best rates and the best
coverage for our clients.
Our travel trailer insurance experts also may be able to secure attractive
discounts if, for example:
- You only want seasonal coverage
- You have more than one insurance policy with the same company
- You have evidence of secure storage
- You agree to a higher deductible -- the amount you pay before your
insurance policy kicks in.
In other words, we do everything we can to get the best coverage for our
clients at highly competitive rates.
How Much? Find Out for Free Now
Want to know how much you'll pay for good, solid New Brunswick travel
trailer insurance? It's easy. Pick up the phone and call (506) 432-1550 or
use this page to request a free, no commitment quote.
Do it now and save yourself the time and hassle of shopping around!