1. Collision: If your camper trailer is damaged in a collision with another vehicle or object, your insurance will cover the cost of repairs or replacement.
2. Comprehensive: Comprehensive coverage protects your camper trailer from damages that occur while it is not in use, such as theft, vandalism, or weather-related damage.
3. Liability: Liability coverage protects you if you are legally liable for injuries or damages caused to others while you are using your camper trailer. This includes injuries to passengers in your camper trailer as well as damage to other people's property.
4. Medical payments: Medical payments coverage pays for medical expenses incurred by you or your passengers as a result of an accident involving your camper trailer, regardless of who is at fault.
5. Uninsured/underinsured motorist: Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover your damages.
In addition to these basic coverages, you may also be able to add optional coverages to your camper trailer insurance policy, such as:
* Emergency road service: Emergency road service coverage will reimburse you for the cost of towing, roadside assistance, and fuel delivery in the event that your camper trailer breaks down.
* Personal belongings: Personal belongings coverage will cover the cost of replacing your personal items if they are damaged or stolen from your camper trailer.
* Trip interruption: Trip interruption coverage will reimburse you for the cost of food, lodging, and transportation if your trip is interrupted by a covered event, such as an accident or a mechanical breakdown.
It is important to note that the specific coverages and limits of your camper trailer insurance policy will vary depending on the insurance company you choose and the state in which you live. Be sure to read your policy carefully so that you understand what is and is not covered.
