General Insurance

Do I need additional insurance if I pull a trailer belonging to a different business?

The owner of the trailer would need to add you to their policy if you will be pulling their trailer regularly. If you will not be pulling it regularly, you should be covered — but I recommend you check with your specific company for policy details to make sure. If you have any questions, don't hesitate to ask.

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General Insurance

How would insurance work for drivers hauling a trailer they don't own?

The drivers need to be insured on the policies of the people who own the vehicles that are hauling the trailer. Since the trailer is already insured, there is no additional insurance required.

RV Insurance

My camper is permanently set at a seasonal campground. What type of insurance do I need?

You would need just need regular RV/trailer insurance. We can quote you with several carriers at The Zebra by calling 888-807-3823.

Coverage & Claims

Does my insurance cover the damage to trailer even though I wasn't hauling it?

The claim should be covered by your insurance company as long as your policy includes permissive use. Permissive use means that claims will be covered if you give someone (who doesn't drive the vehicle regularly or lives with you) permission to drive the vehicle.

Coverage & Claims
RV Insurance

Fault when I was towing someone else's trailer

This can really depend on a number of things. Fault can only be determined by a claims adjuster who has reviewed the accident and any corresponding documentation.

RV Insurance

Home insurance liability cover injury on my camper trailer?

There's a couple of things to think about here. It sounds like you have your travel trailer bundled with your auto insurance policy because more often then not your travel trailer needs a separate policy.

General Insurance

Do I need insurance on a car that won't leave my garage?

If the vehicle will not be driven on the street then there should be no need to insure or register the car. The track may have a requirement that the vehicle be insured so you should definitely check with them first.

Coverage & Claims

Does car insurance cover trailers?

Great question! It would depend on the coverage on your policy, but the liability portion of your policy normally extends to cover injury or damage that was caused to someone else by your trailer. If your auto policy also includes comprehensive and collision (full) coverage then your trailer may also be covered for damage.
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