Pop-up camper insurance

Pop-up camper insurance is a specialty policy that protects foldable recreational vehicles against risks such as theft, collision, fire, and vandalism. Standard coverage types include liability, comprehensive, and collision, with average annual premiums ranging from $125 to $500 according to Progressive’s 2023 data.

Insurers like GEICO and State Farm require pop-up campers to be listed separately from auto policies to ensure claims eligibility. Personal property coverage reimburses for losses of belongings inside the camper up to specified limits; for example, Allstate covers up to $1,000 per incident.

Liability protection pays for bodily injury or property damage caused by your use of the camper, with state minimums typically starting at $25,000 per person injured in an accident. Uninsured motorist coverage compensates you if another driver damages your pop-up camper but lacks adequate insurance; companies like Nationwide offer this as an add-on.

Roadside assistance covers breakdowns specific to campers, including flat tires and battery jumps; AAA RV Plus members receive unlimited towing within 100 miles. Policies often exclude wear-and-tear or damage during commercial rental use unless stated otherwise in endorsements, YourInsurance.info reports.

Seasonal usage discounts can lower premiums by up to 20% when you store your camper for part of the year; Safeco provides documented savings for storage periods exceeding 90 days. Comprehensive claims are subject to deductibles–usually between $250 and $1,000–before reimbursement begins; Farmers sets typical deductibles at these amounts.

Your insurance rate reflects factors including camper value (e.g. a new Forest River Flagstaff pop-up valued at $18,000 will cost more to insure than a used 2005 Jayco model valued at $3,200).