Choosing the Right Coverage for Your Fifth Wheel Trailer Tips and Advice -

Choosing the Right Coverage for Your Fifth Wheel Trailer: Tips and Advice

Are you ready to hit the open road with your fifth wheel, but feeling a bit unsteady about how to protect your cherished trailer? is here to put your mind at ease. We specialize in crafting the perfect insurance plan for your unique needs, because we believe your focus should be on making memories, not worrying about coverage.

Understanding Fifth Wheel Insurance

What is Fifth Wheel Insurance?

Fifth wheel insurance is the security blanket for your home on wheels. Unlike standard auto insurance, it’s designed to address the specific risks and needs associated with a fifth wheel trailer.

Why Standard Auto Insurance Isn’t Enough

Relying on auto insurance alone is like using a travel-sized map for a cross-country trip—insufficient. Your fifth wheel is more than a vehicle; it’s a mobile abode that requires its own unique policy. 

Types of Coverage

Comprehensive Coverage

From unexpected hailstorms to thieving raccoons, comprehensive coverage can ensure your trailer is protected against the unforeseen. (look at your policy documents)

Collision Coverage

Should your fifth wheel kiss a light post or hug a guardrail, collision coverage helps get it back to its pre-accident glory.

Liability Coverage

In the event your fifth wheel becomes an unintentional wrecking ball, liability coverage will be your financial shield.

Additional Options

At, we understand one size doesn’t fit all. We offer personalized policies, including contents coverage and more. For more examples of specialized RV coverage options, check out this article by J.D. Power.

Factors Affecting Your Insurance Premiums

Fifth Wheel Value and Features

The grandeur and gadgets of your fifth wheel will influence your premium—more features, more coverage.

Usage Frequency

Are you a weekend wanderer or a full-time free spirit? Your insurance premiums will reflect how often you’re on the road.

Driving History and Location

Where you travel and your driving record are the compass and map to your premium rates.

Specialized Coverage for Unique Needs

Full-Timers Insurance

Living the dream full-time? You’ll need a policy that’s as permanent as your wanderlust.

Benefits of Choosing

Expertise and Experience

With decades of experience, our founder Marty Adair and team offer expertise that’s as rare as a vintage trailer.

Wide Range of Insurance Products

From mega yachts to scooters, our range of products ensures you’re covered on all fronts.

Personalized Policies

Every traveler, every trip, every trailer is unique. We tailor policies to fit you perfectly.

Preparing for the Unexpected

Emergency Expenses Coverage

In case of a hiccup on your trip, our coverage can help with lodging and more.

Roadside Assistance

Flat tire? Engine trouble? Your insurance carrier is just a call away, anytime, anywhere.

Navigating Insurance Policies

Understanding Policy Limits

We’ll walk you through your policy limits, ensuring there are no surprises.

Deductibles: What You Need to Know

Your questions about deductibles, answered. We make the fine print clear as daylight.

Money-Saving Tips

Combining Policies

Bundle your fifth wheel, motorcycle, and watercraft insurance for wallet-friendly rates.

Testimonials and Customer Experiences

Real Stories from Insured Travelers

Don’t just take our word for it—our clients’ adventures speak volumes of our dedication.

“Probably the best insurance company I have ever worked with. The rates are by far the best in the industry and if you have a claim they ensure you are well taken care of.” -Jason C.

Getting Your Coverage Started


Ready to roll with confidence? Call us at 1-844-727-7207 or email for a quote.

Policy Review and Purchase Process

We’ll comb through the details together, ensuring you hit the road with the best coverage possible.

Staying Informed

Keeping up with RV Insurance Trends

Stay tuned to for the latest in RV insurance innovations and advice.

Your fifth wheel is more than a vehicle; it’s a lifestyle. At, we don’t just insure; we inspire confidence for the long haul. Ready to partner with a team that understands the rhythm of the road as well as you do? Click here to start your journey with a free quote, and let’s pave the way to your next grand adventure together.

Safe travels, and remember, with the right coverage, the world is your campground! 🚐💨

Scroll to Top

Don't leave empty handed!

Get a Quote now