Towing a Caravan: Am I Covered? [2020 Update + Advice]

Typically, your standard car insurance covers towing a caravan. Still, you should ask your insurance company to make sure a caravan or trailer is adequately covered — especially if you are towing a caravan for the first time. You shouldn't need car insurance for towing a caravan.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Here's what you should know..

  • A caravan or travel trailer needs to be insured
  • The insurance coverage available varies based on your needs
  • Talk to your car and homeowners insurance agent to see what coverage you may already have
  • Full caravan insurance is available through multiple sources

A caravan is a travel or camping trailer that you tow behind a car.

The discussion of insurance for a caravan in this article also applies to small travel trailer insurance, which would be any small vehicle that does not have a motor that you tow behind a car. So, does your car insurance cover you towing a caravan?

Find car insurance for all your vehicles, caravans, and trailers with our free quote comparison tool above!

Car Insurance Needed for Towing a Caravan

The RV Industry Association reports that 66,733 travel trailers and caravans were sold in 2019 alone. That’s quite a few new ones on the road every year. With caravan insurance, you need to speak with your car insurance agent to discuss your current coverage provided by your policy.

You may already have some types of insurance coverage in your car or homeowner’s insurance.

Be certain that you have complete coverage by checking with your current car and homeowner’s insurance companies.

You can also do comparison shopping for insurance and discuss any needs like caravan insurance and assure full coverage. What does travel trailer insurance cover? You can probably add your caravan to your existing car insurance coverage so that any damage to it can be covered. These would include damages in a collision, theft, vandalism, and something like backing into another vehicle. 

You will have a great many questions, and this can be the time to shop for car insurance comparisons to see which companies have the best insurance coverage available to satisfy all of your needs.

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Does your car insurance cover you towing a caravan?

Does your car insurance cover towing a caravan? When you are towing a caravan behind a vehicle, there are numerous insurance factors that you must consider. You also must make sure that your insurance company knows about any property you want to be insured, including if you’ve installed a hitch to tow the caravan.

So, while your car insurance probably covers towing a trailer, you want to be aware that not every type of insurance is created equal. Considering that the U.S. DoT reports that there are well over three million miles of roadway in these 50 states, that’s a lot of ground you could cover. But that’s also a lot of potential for an accident.

California Code VEH § 324 defines travel trailers as a “vehicle designed for recreational purposes to carry persons or property on its own structure and so constructed as to be drawn by a motor vehicle by means of a kingpin connecting device.” RV insurance is a whole other story, and they do require their own separate coverage. But caravans can often be tacked onto your existing car insurance policy.

Coverage that you need to consider would include the following:

Liability insurance

Is your car insured to tow a caravan? Most of the time, your personal car insurance will cover damages that you cause with your caravan. For instance, if you back into another car with the caravan, that damage will be covered. But, it may not be so simple with other damages.

Liability coverage pays for damages you cause to another person and includes property damage and bodily injury. You need liability coverage when you tow a caravan.

Each state has its own set of requirements for the liability coverage you have to have on your vehicle to legally drive. Search for your state below.

Liability Car Insurance Requirements by State
StateType of liability car insurance requiredMinimum liability insurance requirements
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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This coverage protects you if the caravan does damage to another vehicle, building, or almost anything else that it hits. Remember that it will not cover damages to your own property.

This coverage can include backing up into an object or the caravan coming off of the hitch while you are driving.

Do you need to add more than just liability to cover your caravan?

You need to tell your insurance company about your caravan to have it covered for damages. This will mean paying more to get it covered, but that’s better than leaving it unprotected. You’ll also need to tell your insurance company about extra equipment, such as a trailer hitch, that you added to your vehicle.

So, what does camper insurance cover?

Similarly to full coverage on your vehicle, camper insurance covers damages that happen to your caravan. This can include damage from a wreck you’re at fault for, theft or vandalism, and damage from tree limbs falling on it while it’s sitting in the driveway.

And what if you get hit by an uninsured driver? The Insurance Information Institute (III) reports that 13 percent of drivers were uninsured in 2015, so it’s not unlikely. If you get hit by an uninsured driver, you’ll probably end up paying for everything out-of-pocket if you don’t have coverage on your caravan.

Collision Insurance

Collision insurance covers damage to the vehicle you operate when you are in a collision. Talk to your insurance agent and check to see if you have coverage when you are towing the caravan behind your car.

Comprehensive Insurance

Collision coverage pays for damage to your vehicle when you are not in a collision. An example would be a tree falling and doing damage.

This short video from Allstate explains what comprehensive generally covers.

Coverage for a caravan would be covered under property insurance to pay for loss or damage to the trailer.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) or No-Fault Coverage pays for injuries to yourself whether or not you are at fault. The car insurance you carry will cover you for personal injury when you are in your vehicle.

You need to check with your agent to make sure you would have personal injury coverage if you are injured while in a caravan.

You need to find out whether your insurance company would cover your personal injuries if the trailer is attached to the car.

When you do not have the caravan connected to your vehicle, you need to have your insurance company explain any coverage for injuries you may have.

Property Insurance

Property coverage on a caravan pays for the damages or loss of the caravan itself, but not for the contents that are inside the vehicle.

Check with your insurance company to see if your homeowners or renters insurance will cover caravans that are in transit.

Some policies may have a small limited coverage for caravans, but talking to your agent assures you have enough coverage to replace your caravan if a loss occurs.

Does car insurance cover the contents of my caravan?

In addition to the types of coverage listed above, you will want coverage that pays for damages or loss of any of the contents that you are carrying inside the towed caravan.

When traveling, you may carry clothing, cooking supplies, or other essentials for life on the road. You need insurance to cover your contents. If you have homeowners or renters insurance, they will include some content coverage that is away from your home, which would include traveling in a caravan.

Check with your insurance agent to verify that coverage and for how much you are insured.

Additional Car Insurance Coverage Options For Your Caravan

If you are renting a caravan, you can talk to your credit card company. You may have some extended coverage for damages.

If you are renting the car, you can also check with the rental company, since many of them have additional insurance protections available for an additional fee.

When you are towing a caravan, you need to be insured. You can talk to your car and homeowners insurance agent and discuss your needs with them.

By assuring you have the needed coverage before you leave, you are certain your trip can be relaxing, knowing there is no cause for worry about your insurance coverage.

Frequently Asked Questions

Just in case we haven’t answered all of your questions, we’ve added a few more below.

What states require car insurance for towing caravans?

For the most part, your towed trailer will be covered under your car insurance policy, as long as it’s attached to your vehicle when the damage occurs. You may want to get additional coverage to make sure it’s covered under other circumstances. Each state has its own set of rules and regulations governing trailers on the road. notes these laws by state.

Are trailers covered under commercial car insurance?

This depends. Some insurers note that they cover large trailers pulled by trucks under the automotive’s commercial insurance policy, but that may not include your caravan. It’s best to always check with your insurer, as policies differ.

Will your car insurance cover towing someone else’s caravan?

This also really depends on the circumstances. If the other driver is at fault, they’ll likely cover damages for both your vehicle and the caravan. If you’re at fault, it gets iffy. Your insurance will probably cover damages to the other vehicle, but it won’t cover repairs for the caravan.

Does my car insurance cover towing a boat?

Like a normal trailer, your liability coverage will extend to damage caused by both the trailer and the boat if you cause damage to something else. It will not cover damages to the boat nor the boat trailer unless you add extra collision and comprehensive coverage to cover them.

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