West Hartford residents who enjoy the comfort and convenience of traveling and exploring new sights may find themselves researching the many types of recreational vehicles available. If you are considering buying a recreational vehicle, such as a travel trailer, it’s important to understand Connecticut’s insurance requirements. At ALLConnecticut Insurance, we have the answers to all your questions so you can hit the road with the right coverage.
Connecticut’s Insurance Requirements
In Connecticut, the type of recreational vehicle you own determines the type of insurance coverage required. For example, a motorized RV that is driven is treated the same as a car or truck and requires its own insurance policy.
Travel trailers, however, fall into a different category since they cannot be driven. While the state does not mandate insurance coverage for the trailer itself, it requires the towing vehicle to carry liability insurance that includes coverage for the travel trailer.
If you plan to use the travel trailer for commercial purposes, Connecticut law does require insurance coverage for the trailer.
Benefits of Travel Trailer Insurance
Your travel trailer is a significant investment, and protecting it in case of an accident, theft, or damage is essential. Owners have the option of purchasing specialized RV insurance that includes collision and comprehensive coverage.
This type of coverage protects against accidents that occur while the travel trailer is on the road. It also covers incidents such as vandalism, severe weather, fire, and theft. Additional options to consider include personal property coverage, total loss replacement, and vacation liability insurance.
Contact Us
When you’re ready to explore all that West Hartford, CT, has to offer for recreational vehicle owners, let our agents at ALLConnecticut Insurance help you get on the road safely and securely.