Camper Insurance
for Travel Trailers, Fifth Wheels & More
Why You Need Camper Coverage
Auto and homeowners policies offer only limited protection for your camper or travel trailer, usually just liability while towing or limited contents coverage at home. Camper insurance is tailored to those unique needs of a camper which covers the risks: theft, storm/hail, fire, collision, and liability. Gateway Insurance can explain what's covered, so there's no guesswork when you hit the road or park for the season.
Coverage for All Towable Campers
Travel Trailers
From lightweight weekenders to full-size models-covered for damage, theft, and more.
Fifth Wheels
Extra-large or luxury towables- policies for higher value and seasonal use.
Truck Campers
Slide-in and mounted campers for truck beds-flexible coverage for multi-use trips.
Pop-Up Campers
Fold-downs and tent campers-protection for damage, weather, and gear inside.
What Does Camper Insurance Cover?
Physical Damage
Theft, collision, storm/hail, fire, and vandalism-at home, in storage, or at the campsite
Contents Coverage
Protects your gear, kitchenware, bedding, electronics, and personal items inside the camper.
Campsite & Vacation Liability
Covers injuries or property damage that happen at your campsite, even if you're parked for the whole season.
Total Loss Replacement (optional)
For newer campers (carrier/program guidelines apply).
Towing & Roadside Assistance
Help with breakdowns, flat tires, or emergencies on the way to your next lake weekend.
Storage & Seasonal Use
Coverage options for off-season storage.
Weekend Camper, Seasonal Site, or Full-Time?
Weekend Use
Flexible coverage for the occasional adventure.
Seasonal Site
Liability and storage coverage for campers left at a lake or campground all season.
Frequent/Extended Use
Higher limits for contents, trip interruption, and more.
Gateway can give you a quote based on how, where, and how often you camp-so your policy always fits your lifestyle.
Coverage for How
Campers Travel
Campers love weekends at the lake, long towing routes, and sometimes months of storage. Policies from Gateway protect your investment against hail, wind, storm, theft, and accidents whether on the road or parked for the summer.
What to Have Ready for Your Camper Quote
Trailer/camper type (travel trailer, 5th wheel, truck camper, pop-up)
Year, make, and model
Value or lienholder details
Storage location (home, campground, storage lot)
Usage (weekends, seasonal, frequent)
Drivers and tow vehicle info
Bundle with auto, home, or umbrella policies for savings and simplicity.
Camper Insurance-Questions Answered
Do I need insurance for a travel trailer?
Yes-dedicated camper insurance covers theft, storm, and campsite risks your auto/home policy won't.
Is a camper covered by auto insurance?
Only for liability while towing-comprehensive protection requires a camper policy.
What's the difference between fifth wheel and travel trailer insurance?
Coverage is similar, but fifth wheels often require higher limits due to value and usage.
Does camper insurance cover theft and storm damage?
Yes-dedicated policies cover theft, hail, wind, fire, and more.
Cover Every Trip-Dedicated Camper Insurance, Local Team
Don't assume you're protected-let Gateway Insurance quote your camper, match coverage to your use, and keep you rolling all season.