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My camper stays at a seasonal campground year-round. What type of insurance do I need?

I have a 2003 Carriage Carri-lite 5th wheel trailer. It is permanently set on a site at a campground. The campground is open from around mid-April to November 4th. What type of insurance do I need? The campground management provided me with requirements, but they're a little confusing:

"The CAMPER shall obtain and maintain adequate physical damage insurance covering loss of, or damage to CAMPER’S personal property on the CAMPSITE in the amount of the full replacement cost of such property, and the CAMPER shall obtain and maintain comprehensive general liability insurance with limits of liability of not less than $100,000 per occurrence and $300,000 combined single limit. [Note that an RV insurance policy must include “vacation liability” or “full-timers” coverage.]"

Can you help me interpret this?

Jul 17, 2019 Beaver Dam, WI

Author profile picture

Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Thanks for reaching out! Insurance can be extremely confusing, especially when you get thrown a bunch of insurance jargon in a contract and you have no idea what any of it means. Luckily, I'm a licensed insurance agent with over 10 years of experience, and it's my job to explain coverage to customers. You are in good hands!

The first coverage I'm seeing them request is physical damage coverage for your camper's personal property at full replacement cost. What those fancy words mean is that they want you to have insurance on any of your belongings in your RV. Essentially if you were to cut the roof off your RV, flip it upside down and shake it, anything that falls out would be considered your "personal property". So things like clothing, appliances, and camping gear. They want you to have this set at replacement cost, which means if any of your items were damaged or lost due to a claim they would be completely replaced after paying any deductible. 

The next coverage they are requesting is liability insurance with limits not less than $100,000 per occurrence and a $300,000 combined single limit. They are wanting you to have liability on your camper to help cover you should an accident occur. This helps protect them, as well, because if you carried insurance lower than that, anyone injured by you could turn around and sue the campsite as well if your policy limits aren't high enough. So in other words you need insurance at 100/300 limits.

The final coverage I am seeing is Vacation Liability (or full-timers) coverage. This covers an accident that occurs while an RV is used temporarily for residence while you're out on vacation. I hope you find all of this helpful and if you have any questions please let me know.

You can also check out our page about RV/trailer insurance for more detailed information about RV policies. We can help you out with quotes from several carriers at The Zebra by calling 888-807-3823. There are cases where people live in their travel trailer or motorhome for seasonal employment, rotating job sites, or other work-related circumstances every few months. We've been asked about employees living on a temporary job site in their RV/motorhome, and in this case, a commercial policy is the best option. We work with Progressive Commercial so feel free to call 877-583-4124 to get a quote.

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