When you tow a camper trailer, you want to know that your car insurance protects you. It typically will give you some protection, but there are a few things you need to know.     Liability Coverage When you tow a camper trailer or other trailer, the most common rule is that your liability protection will extend to driving while towing. If you cause an accident, you’d have the same liability coverage and limits as your auto insurance would give you when you weren’t towing. The first thing to check is that the general rule applies to your insurance policy. Some insurance policies exclude towing. This is especially true if you’ve modified a car or light SUV that doesn’t come equipped for towing from the manufacturer. Next, consider if you have enough coverage. Towing a camper trailer means your overall vehicle is heavier, it takes longer to stop, and it’s harder to steer. This increases your risk of an auto accident. In addition, a heavier total size means that the resulting damage from an accident would likely be larger. You may wish to increase your car insurance liability limits to account for this additional risk. Collision Coverage Your auto insurance policy may come with a small amount of coverage for accident damage to your trailer. You may also have an option to add coverage. These coverages are often designed for the type of trailer you’d use to haul a lawnmower. A camper trailer can be worth far more than your built-in coverage, so you may need to insure it separately. Comprehensive Coverage Your main car insurance policy may or may not provide comprehensive coverage for your camper trailer, and if it does, it may only apply when it’s attached to your truck. It could also have a much lower limit than you need. This would leave you unprotected from theft and non-accident damage. You can get full coverage with separate trailer insurance. Personal Property Your camping gear, cooking equipment, clothes, and everything else in your camper trailer needs personal property coverage in case of theft or damage. Your auto insurance or home insurance policies may provide some coverage but generally not enough for the full value of everything loaded into a full camper trailer. If you can’t add enough coverage to your car insurance policy, you can buy it with trailer insurance.   Call us today at (915) 599-2900 or visit www.MtFranklin.com to see how we can help you.

Does Your Auto Insurance Cover Your Camper Trailer??

When you tow a camper trailer, you want to know that your car insurance protects you. It typically will give you some protection, but there are a few things you need to know.     Liability Coverage When you tow a camper trailer or other trailer, the most common rule is that your liability protection will extend … Read more

March 18, 2021

Getting Term Life Insurance As A Senior Citizen

Life insurance is something that everyone should be able to leave behind for their loved ones. After all, if you pass away, you want to make sure the people you care about are taken care of. Many people think that it gets harder to get quality life insurance as you get holder. On one hand, … Read more

March 16, 2021

What Happens to Your Home Insurance When You Remodel?

Are you planning to remodel part of your home? Or are you about to build a new addition onto the dwelling? In either case, you need to consider what impact this is going to have on your home insurance needs. You need to make sure that you’re protected during the project and that your coverage … Read more

March 9, 2021

Getting Life Insurance? Don’t Forget to Make a Will

Your reason for getting life insurance is that you want to be able to help your family out financially even after you pass away. Coverage exists to help your designated beneficiary be able to support themselves despite the fact that you are no longer there to provide for them.     Still, getting life insurance … Read more

March 4, 2021

Do I Need to File a Police Report After a Car Wreck?

If you have a car wreck, then you are probably going to want to file a car insurance claim. However, in order to make the claim successful, you will have to present appropriate evidence to your insurer. In some cases, this will mean that you must file a police report to support your claim. In others, … Read more

March 2, 2021

Is My Home Actually Worth Insuring?

Some people might think that they no longer need homeowners insurance if they live in an older property and have paid off their mortgage. This is fundamentally incorrect, and the fact of the matter is that anyone can benefit from homeowners insurance, no matter how much money they might think they have in the bank. … Read more

February 25, 2021

Valentine’s Day Taco ’bout Love contest.

On behalf of Mt Franklin Insurance, thank you to all who participated in our Valentine’s Day Taco ’bout Love contest. Congratulations to the winner Melissa Rodriguez.    Below are some pictures of our staff presenting our Valentine’s Day Dinner Package to the winner Melissa Rodriguez Congratulations Melissa! The prize included a dinner for two from L & J … Read more

February 19, 2021

What Factors Influence Life Insurance Costs

Getting life insurance often takes time, care and consideration. There are numerous policies on the market, and you of course want to choose the one that is best for you, both in terms of coverage and price. Still, when it comes to offering you a price quote on your plan, your life insurer will need … Read more

February 18, 2021

Can You Get a Car Insurance Discount By Working From Home?

The worldwide COVID-19 pandemic has fundamentally changed how businesses operate. To enforce social distancing necessities, countless businesses have transitioned to either full- or part-time remote work. This work from home benefits allows employees to continue to do their job from the safety of their own home.       One of the benefits that you … Read more

February 16, 2021

Health Insurance for Mental Illnesses

Millions of Americans face mental health struggles, and countless others have issues that are undiagnosed. This might range anywhere from anxiety or depression to more serious issues. However, there are countless mental health resources available within the medical community, and it doesn’t have to be overwhelming or frustrating when seeking the help, you need.   … Read more

February 9, 2021

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