Fifth Wheel Camper Insurance: How Much Does It Cost?

how much is fifth wheel camper insurance

Fifth-wheel trailers are among the largest types of trailers and are comparable in size to class A motorhomes. They are designed to be pulled by a pickup truck with a special coupling device in the truck bed. While insurance is not required by law, it is still a good idea to get a separate insurance policy to cover physical damage or theft. The cost of insurance for a fifth-wheel camper depends on several factors, including the age, location, driving history, and model of the trailer, as well as the market value, weight, and usage of the RV. On average, fifth-wheel RV owners pay between $800 and $925 per year for insurance, but more luxurious vehicles can cost over $1,300 to insure.

Characteristics Values
Average annual cost $500
Range of annual cost $400 to $1000
Average annual cost of RV insurance $800 to $925
Annual cost of insurance for a more luxurious vehicle with a medium-duty truck $1,300
Cost of insurance for a motorhome $300 to $3000
Cost of insurance for a towable camper $150 to $1000

shunauto

Average insurance cost

The average insurance cost for a fifth-wheel camper ranges from $400 to $1000, with an average of $500 per year. However, the cost of insurance for a fifth-wheel camper can vary depending on several factors. These factors include the age, length, value, and state of residence of the vehicle, as well as other risk variables.

For example, a more luxurious fifth-wheel camper with a medium-duty truck can cost around $1,300 per year to insure. On the other hand, a basic policy for a towable camper can cost as little as $150 per year. It is important to note that insurance for a fifth-wheel camper is not required by law in some states, but it is still a good idea to have coverage in case of any mishaps.

When considering insurance for a fifth-wheel camper, it is recommended to get a specialized policy designed specifically for this type of vehicle. These policies can include coverage for physical damage, permanently installed accessories, and a range of hazards such as lightning, flooding, wind, and theft. Additionally, there are optional coverages available, such as roadside assistance, total loss settlement, and emergency expense coverage, which can provide further protection in case of an accident or breakdown.

It is also worth mentioning that factors such as a good driving record, safety features, and bundling policies can help reduce the cost of insurance. Obtaining quotes from multiple insurance companies and comparing coverage options can also help in finding the most affordable plan.

shunauto

Factors influencing insurance cost

The cost of insuring a fifth-wheel camper is influenced by various factors, and the price can vary significantly depending on individual circumstances. Here are some of the critical factors that influence the insurance cost:

Age, Location, and Driving History

The personal details of the owner, such as age and driving history, can impact the insurance cost. Additionally, the location where the owner resides and travels with the camper can also affect the price.

Vehicle Age, Length, Value, and Weight

The age, length, value, and weight of the fifth-wheel camper are all factors that influence the insurance cost. Older and heavier vehicles may be more expensive to insure, and the market value of the RV will also be considered.

Usage and Contents

Whether the owner uses the camper part-time or lives in it full-time will impact the insurance cost. The insurance company will also consider the value of the contents inside the camper.

Coverage Selection

The insurance cost will depend on the level of coverage selected. Basic policies may be cheaper, but additional coverage for items such as personal belongings, roadside assistance, and full-time residence may increase the price.

Vehicle Make and Model

The make and model of the camper can affect the insurance cost. More luxurious or high-end models may be more expensive to insure due to their higher value and potential repair costs.

State and Rating Territory

The cost of insurance can vary by state and rating territory. Different states may have different requirements and regulations, which can impact the price of insurance.

It's important to note that insurance companies may offer discounts or special programs, such as bundling policies or installing anti-theft devices, which can help reduce the overall cost of insurance for a fifth-wheel camper.

shunauto

Discounts

When it comes to insurance for your fifth-wheel camper, there are several ways to save money and get discounts. Here are some ways to reduce the cost of your premium:

Bundling Policies

You can often get a discount on your fifth-wheel insurance by bundling it with other insurance policies. Many companies offer a multi-policy discount, so consider combining your camper insurance with a home, auto, renters, motorcycle, or boat policy. This can be a great way to save money and simplify your insurance management.

Safe Driving Record

If you have a clean driving record with no accidents or violations in the past three years, you may be eligible for a safe driver discount. Insurers consider a good driving record to be an indicator of lower risk, and they may reward you with lower premiums. Maintaining a safe driving record can help you save money on your fifth-wheel insurance.

Original Owner Discount

If you are the original owner of your fifth-wheel camper, some insurance companies will offer you a discount, especially if you carry comprehensive and collision coverage on your policy. Being the original owner can demonstrate a level of care and maintenance that insurers favour.

Claim-Free Renewal

If you have not made any at-fault claims on your insurance policy, you may be eligible for a claim-free renewal discount. Insurers view a lack of claims as a positive indicator of lower risk, and they may reward you with a reduced premium when it's time to renew your policy.

Non-Smoker Discount

Some insurance companies offer discounts to non-smokers. Since smoking increases the risk of fires and other damage, insurers may see non-smokers as lower-risk customers and offer discounted rates.

Anti-Theft Devices

Installing an anti-theft device in your fifth-wheel camper can also lead to discounts. This demonstrates your commitment to security and can reduce the risk of theft, which insurers will often reward with lower premiums.

Age and Membership Discounts

Your age and membership in certain organizations can also impact your insurance rates. Some companies offer discounts for mature drivers (age 50 and older), and memberships in organizations like AAA or AARP can also provide additional savings.

It's important to note that discount availability and eligibility can vary by state and insurance company. Be sure to shop around, compare quotes, and ask about any applicable discounts to get the best rate on your fifth-wheel camper insurance.

shunauto

What insurance covers

Fifth-wheel insurance is a specialised type of insurance that covers the unique risks associated with fifth-wheel trailers. These trailers are large and often used as full-time residences, so they require more extensive coverage than a standard auto insurance policy.

Basic coverage for fifth-wheel insurance typically includes protection against loss or damage caused by fire, smoke, collision, flood, landslides, windstorms, lightning strikes, hail, wildlife, low-lying branches, theft, and vandalism. It usually includes total loss replacement, agreed value, emergency lodging expenses, and campsite or vacation liability.

In addition to basic coverage, fifth-wheel insurance may also include:

  • Injury liability: This covers any injuries caused to a third-party individual, including illness, disease, pain, emotional distress, income loss, and death expenses.
  • Damage liability: This covers any loss or damage to third-party property.
  • Collision coverage: This covers damage resulting from an impact with another vehicle or object outside the car. This type of coverage usually has a deductible.
  • Comprehensive coverage: This covers any direct and accidental damage to the insured's vehicle, other than a collision. It also typically includes a deductible and covers losses not explicitly excluded in the policy.
  • Total loss replacement: This replaces lost vehicles with the latest model of the same vehicle or a comparable model.
  • Agreed value: In the event of a total loss, the policy covers the original amount spent on the fifth wheel or its appraised value.
  • Emergency lodging expenses: Covers lodging expenses if the fifth wheel is damaged or lost due to a covered risk more than a certain distance from the policyholder's home.
  • Campsite or vacation liability: Provides liability coverage when the vehicle is parked or being used as a residence.

Other optional coverages that may be available include personal property replacement cost coverage, roadside assistance, towing, emergency expense coverage, and additional living expense coverage.

shunauto

Additional cover options

When it comes to insuring your fifth-wheel camper, there are several additional cover options you can choose from to ensure you have the right protection for your needs. Here are some optional coverages you may want to consider:

Total Loss Replacement Coverage

This coverage option is valuable if your fifth wheel is relatively new and is declared a total loss within the first few years of ownership. With this coverage, your insurance provider will provide you with a brand-new replacement of a similar kind and quality, or reimburse you for the purchase price listed on your policy.

Emergency Expense Coverage

If your fifth wheel is damaged more than 50 miles from your home, this coverage can help with the cost of lodging, travel, and other emergency expenses. This is especially useful if you plan to travel long distances or go on extended trips with your camper.

Campsite/Vacation Liability Coverage

This coverage extends your liability protection when your fifth wheel is parked and being used as a temporary residence or for recreational purposes. It provides additional peace of mind when you are camping or staying at a campground.

Replacement Cost Coverage for Personal Belongings

This coverage option is designed to protect your personal belongings stored inside your fifth wheel. In the event of theft, fire, or other covered events, your insurance provider will help replace or reimburse you for the value of your lost or damaged items.

Towing and Roadside Assistance

Breakdowns or flat tires can happen at any time. With this coverage, you can get assistance with towing, tire changes, fuel delivery, and even locksmith services if you're locked out of your camper. Some providers may even offer to tow your tow vehicle if it's stranded with your fifth wheel.

Full-Timer Coverage

If you use your fifth wheel as your primary residence or for extended periods throughout the year, full-timer coverage can provide continuous liability protection. It's similar to a homeowner's insurance policy and covers personal liability, injuries, property damage, and other losses that may occur while your fifth wheel is being used as a dwelling.

These are just a few examples of the additional cover options available for your fifth-wheel camper insurance. It's important to review your insurance needs and choose the options that best suit your lifestyle and travel habits.

Frequently asked questions

While the law does not require insurance on a hitched trailer, it is still necessary. The insurance on your motor vehicle will not cover your fifth-wheel camper if it is damaged in an accident or stolen.

The cost of insurance for a fifth-wheel camper ranges from $400 to $1000, with the average cost being $500. The price depends on factors such as your age, location, driving history, coverage selection, and the year, make, and model of your trailer.

The cost of a fifth-wheel insurance policy can vary by state and rating territory. Factors that determine the cost include the vehicle's age, length, value, and other risk variables such as the market value, weight, and contents value of the RV.

Fifth-wheel insurance covers direct and accidental physical damage to the camper, including permanently installed accessories such as awnings, antennas, and satellite dishes. Covered hazards include lightning, flooding, landslides, wind and hail, wild animals, fire and smoke, vandalism and theft, and trees and overhangs.

You can get a quote for fifth-wheel insurance from various companies, such as Progressive, Farmers Insurance, and Foremost Insurance. These companies offer specialized insurance coverage for fifth-wheel campers.

Written by
Reviewed by
Share this post
Print
Did this article help you?

Leave a comment