Hit The Road With Confidence
5th-wheel trailers have taken the travel-trailer market by storm. They are praised by large families and luxury travelers for their superior use of space, versatility, and stability as compared to more traditional RVs. But, just like your motorized vehicle, 5th-wheelers are an investment that should be protected with specialized coverage.
If you are the proud owner of a 5th-wheel trailer or are currently in the market for one, make sure to get RV insurance from King Risk Partners to safeguard your investment. For your convenience, we have streamlined the application process to be fast, easy, and reliable. Contact us today to request a free, no-obligation quote!
What Is A 5th-Wheel Trailer?
5th-wheel campers or trailers are a type of RV (recreational vehicle) with a raised forward section located above an additional wheel, hence the name. Instead of connecting at the bumper, the additional wheel couples in the back of the truck bed. This setup allows for greater maneuverability on the road as compared to traditional 4-wheel trailers.
The addition of an extra wheel also allows for greater interior space, which means 5th-wheelers can sport a large living room area or extra bedroom, providing owners with more real estate for their money. In addition, many luxury RV models tend to be 5th-wheelers as the additional space means manufacturers can fit more high-end appliances and living quarters.
Do I Need Insurance On My 5th-Wheeler?
While coverage for 5th-wheel trailers is not required in most states, it is highly recommended. In the event of a road collision, for example, your regular auto insurance will not cover any damages to the 5th-wheeler, only to your motorized vehicle. Similarly, in the event of theft, your car insurance will not cover the stolen 5th-wheel trailer.
How Much Does 5th-Wheel Insurance Cost?
As is the case for other types of RV insurance, the cost for 5th-wheel insurance varies depending on multiple factors, including the owner’s age, main address, driving history, coverage selection, and the year, make, and model of the trailer vehicle. Our agents at King Risk Partners can help you find the right type of coverage for your needs to help you save money.
Types Of 5th-Wheel Insurance Coverage
5th-wheelers come in a variety of shapes, prices, and sizes to accommodate travelers with different needs. Similarly, your 5th-wheel insurance policy can be tailor-made to your needs and budget. The following include some of the most common types of coverage available for 5th-wheel trailers.
- Liability Coverage: Covers eligible bodily injuries and property damages caused by your trailer to another person or their property.
- Collision Coverage: Covers eligible crash-related costs involving the trailer.
- Comprehensive Loss Coverage: For losses related to fire, theft, weather damage, and other qualifying cases.
- Medical Coverage: Covers the costs of personal injuries in the event of an accident for you and your passengers.
- Roadside Assistance: Covers all towing costs for the trailer.