Ownership of an Airstream trailer or an RV travel trailer can provide you one of the most adventurous and enjoyable ways to travel across the country and see all of the natural beauty that the United States has to offer. However, the purchase of an Airstream or RV travel trailer is a major investment that needs to be protected against possible damage and total loss. The best way for you to provide this protection is to buy yourself a solid insurance policy that will cover most of the possible losses you could encounter as you travel down the road.

When it comes to purchasing an insurance policy, it helps to know the major things that you need to protect. The following items will discuss most of the factors you need to consider when purchasing an RV insurance policy.

1. Actual Value of the Airstream trailer vs. Replacement Cost

When purchasing RV insurance, you are often presented with the decision of having to choose between getting a policy that will just pay you the actual value of the trailer or will pay you the full replacement cost of the Airstream. While insurance that pays the full replacement cost usually is more expensive, it is often worth it because it will pay you a set amount in the event of a loss without any depreciation costs that could reduce your final payment.


2. Liability Insurance

In addition to considering if you want to get a policy that will pay for the replacement costs of your RV, you will want to look at getting an insurance policy that provides you with adequate protection against any liability that you may incur if you have an accident that is your fault while towing your Airstream trailer. While a minimal amount of liability coverage is required in most states, it is a good idea to purchase as much liability insurance as you can afford to protect yourself and your assets from a possible lawsuit.

3. Awnings and Attachments Coverage

As you move your Airstream or RV travel trailer from one place to another, awnings and attachments are items that often get damaged by hanging tree branches and other obstacles that you encounter. As a result, you need to consider purchasing an insurance policy that will have coverage to provide for the replacement or repair of your awnings and other attachments.

4. Full-Timer Coverage

If you are one of the growing number of people who live in their RV throughout the year, then you will want to consider purchasing an insurance policy with Full-Timer Coverage for your Airstream. This coverage combines the best features of auto insurance with some features found in homeowner’s insurance to provide the most comprehensive protection possible. Not all insurance companies will offer you this coverage, so you should shop around until you find one that does or else you will find yourself having to piece together a hodgepodge number of coverages to fully protect yourself.

5. Uninsured Motorist and Roadside Assistance

Besides Full-Timer Coverage, Uninsured Motorist and Roadside Assistance Coverages are things that you will want to protect you in case you are hit in an accident by someone who doesn’t have insurance or if you break down on the side of the road and require assistance in repairing your Airstream.


One final thing to remember when purchasing insurance for your Airstream or RV travel trailer is that it can never hurt to have more coverage than you think you will need. A more comprehensive insurance policy, like those offered here, will always provide you a peace of mind that you can handle any situation that may arise while a policy that doesn’t have enough coverage could leave you in a seriously damaging financial situation.