Does Allstate Offer Travel Trailer Insurance? Here’s the Complete Answer
If you own a travel trailer or are thinking about buying one, insurance is a smart move. Whether you’re hauling a teardrop camper, fifth-wheel, or toy hauler, the big question is:
Does Allstate offer travel trailer insurance?
The short answer is: Yes, Allstate does offer travel trailer insurance.
But there’s more to know—coverage options, what’s included, how it works when towing, and what extras are available.
Let’s break it down clearly so you can decide if Allstate is the right fit for protecting your RV lifestyle.
Does Allstate Offer Travel Trailer Insurance?
Yes, Allstate offers insurance coverage specifically for travel trailers.
This includes towable RVs such as:
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Conventional travel trailers (bumper-pull)
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Fifth-wheel trailers
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Teardrop campers
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Pop-up campers
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Toy haulers
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Airstreams
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Cargo conversions (when used for recreation)
Allstate provides customizable RV policies designed to protect both the physical trailer and your liability while towing or parked.
What Does Allstate Travel Trailer Insurance Cover?
Here’s what’s typically included in a standard Allstate RV or travel trailer policy:
✅ Comprehensive Coverage
Covers non-collision damage to your trailer, such as:
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Fire
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Theft
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Vandalism
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Weather-related damage (hail, wind, falling objects)
✅ Collision Coverage
Pays for repairs to your trailer if it’s damaged in a collision—whether you hit something or someone hits you.
✅ Liability Coverage
Protects you financially if you’re found legally responsible for property damage or injuries caused while the trailer is being towed.
Note: This liability coverage extends from your auto insurance when the trailer is attached to your vehicle, but a separate RV policy can provide extra coverage when parked or used independently.
✅ Campsite and Vacation Liability
Offers protection when the trailer is unhitched and set up at a campsite, covering injuries or damage that happen around your trailer.
✅ Personal Belongings Coverage
Covers items inside the trailer—like camping gear, electronics, tools, and clothes—up to a specified limit. You can increase this amount with an endorsement.
✅ Medical Payments
Pays for medical expenses if you or your guests are injured in or around the trailer, regardless of fault.
Optional Coverages Available from Allstate
You can customize your travel trailer policy further with optional add-ons like:
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Full-Timer Coverage: If you live in your trailer more than 6 months out of the year
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Roadside Assistance: Towing, flat tire repair, jumpstarts, and lockout services for your tow vehicle and trailer
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Emergency Expense Coverage: Pays for lodging and transportation if your trailer is damaged while traveling
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Trailer Replacement Cost: Replaces your trailer with a new one if it’s totaled (based on your policy terms)
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Awning and Attached Accessories Coverage: Extra protection for non-structural parts like awnings, antennas, and solar panels
What Is Not Covered?
Like all insurance policies, Allstate’s travel trailer insurance has exclusions, including:
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Normal wear and tear
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Damage from improper maintenance
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Business use (unless specifically added)
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Damage while being rented out (unless you have rental coverage)
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Vermin or pest infestations (unless endorsed)
Always read your policy documents to know exactly what is and isn’t covered.
Do You Need Travel Trailer Insurance?
While not all states require insurance for travel trailers, having it is a smart financial move—especially for protection against theft, damage, or liability.
Here’s when you should absolutely consider coverage:
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If the trailer is financed – Most lenders will require full coverage
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If it’s expensive or custom-built
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If you keep valuables inside
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If you camp regularly or live in the trailer part-time/full-time
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If you travel across state lines or camp in high-risk areas
Allstate makes it easy to bundle your trailer insurance with your auto or homeowners policy, which may qualify you for multi-policy discounts.
How Much Does Allstate Travel Trailer Insurance Cost?
Cost depends on several factors:
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Type and value of the trailer
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Year, make, and model
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Where it’s stored (zip code)
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Frequency and location of use
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Your driving record
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Chosen deductibles and coverages
On average, travel trailer insurance ranges from $200 to $800 per year, depending on coverage level and risk.
Pro tip: You can lower your premium by:
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Increasing your deductible
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Storing the trailer in a secure location
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Maintaining a clean driving history
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Bundling with other Allstate policies
How to Get a Quote from Allstate
Getting covered is simple:
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Visit Allstate.com or contact a local agent
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Provide your trailer’s details (make, model, VIN, value)
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Choose your coverage options
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Receive a custom quote
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Purchase and receive your policy documents digitally
Allstate agents can help walk you through different coverages, compare policies, and make sure your trailer—and your trips—are protected.
Conclusion
Yes, Allstate offers travel trailer insurance with flexible options designed for every kind of camper. From collision and theft protection to campsite liability and personal belongings, Allstate has coverage to keep your adventures safe and stress-free.
Whether you camp seasonally, travel full-time, or use your trailer for weekend getaways, travel trailer insurance from Allstate gives you peace of mind—on the road and at the campsite.
Thinking of getting coverage? Reach out to Allstate for a free quote and see how easy it is to protect your trailer, your gear, and your journey.
