Park Model Insurance

4 things to know about our insurance for park model trailers

  1. When it comes to paying claims, your policy offers the option to get the cost of a brand-new model (even if it costs more than the policy limit) with Guaranteed Replacement Cost.
  2. You can get more than the standard industry coverage for your trailer, such as contents coverage and items normally kept on your campsite.
  3. If a road trip runs into trouble, we’ll help cover emergency vacation expenses to help get you home or back on the road.
  4. There’s no up-front deductible to pay at all after five claims-free years in a row.


All policies include:

  • Coverage for contents the unit usually contains (40% of the total trailer value), and for detached private structures like sheds and decks (10% coverage on every policy with the option to increase)

  • Water Protection coverage (Overland Water and sewer back-up)

  • Debris removed

  • Extended warranty on appliances

  • Locks replaced

  • Golf cart coverage of $5,000

  • Frozen food replaced

  • Interested Party Rate Protector – covers extra costs to refinance the property if interest rates go up

  • Pet injury coverage

  • Deductible options from $300 to $10,000

Options and discounts

You can add:

  • One of three settlement options: Guaranteed Replacement Cost (up to ten years old – must be original owner), Replacement Cost (up to 25 years old), or Actual Cash Value.
  • Full-timers package – for those who travel with their unit full-time, includes optional Comprehensive Personal Liability
  • Premises Liability up to $5 million - helps protect the you from legal action related to injury or property damage while they’re using the trailer
  • Extended liability for golf carts

Discounts available:

  • Claims free
  • Multi-line - if they have their trailer and car and/or home policies with us
  • Secure and supervised parks
  • Burglar alarm

Do you have any questions? Give us a call at 1.844.929.4768 and we’ll help answer them.