Understanding Pop-Up Camper Insurance
Pop-up campers—also called tent trailers—are a popular way to enjoy camping without the expense of a full RV. While they’re smaller and lighter, they can still be damaged, stolen, or cause accidents. In North Carolina, insurance requirements for pop-up campers depend on how you use and finance them.
Is Insurance Required for a Pop-Up Camper?
- State Law – North Carolina doesn’t require a separate insurance policy for non-motorized pop-up campers if they’re towed behind an insured vehicle.
- Lienholder Requirement – If you financed your pop-up camper, your lender will likely require physical damage coverage until the loan is paid off.
- Practical Protection – Even if it’s not required, insuring your pop-up camper protects you from paying out of pocket for theft, accidents, or storm damage.
What Does Pop-Up Camper Insurance Cover?
Coverage can be added to your auto policy or purchased as a separate RV/camper policy:
- Comprehensive Coverage – Protects against theft, vandalism, fire, storms, and falling objects
- Collision Coverage – Covers damage from accidents, regardless of fault
- Liability Coverage – Extends from your auto policy to cover injuries or damage you cause while towing
- Contents Coverage – Protects personal belongings inside the camper
- Roadside Assistance – Covers towing and emergency help if you’re stranded
Special Considerations in North Carolina
- Coastal Travel – Hurricanes and coastal storms can cause significant damage; make sure your policy covers wind and hail.
- Storage Risks – If your camper is stored outdoors, comprehensive coverage is important for weather and theft protection.
- Seasonal Use – Policies can be tailored for part-time or full-time use, so you only pay for what you need.
How Sizemore Insurance Can Help
We’ll:
- Compare coverage options from multiple carriers
- Help you decide between adding coverage to your auto policy or buying a standalone RV policy
- Make sure you’re covered for coastal trips, mountain camping, and everything in between
- Find discounts for bundling with your home or auto insurance
Get a Quote for Your Pop-Up Camper
Protect your camper and your adventures with the right coverage. Start your quote online in minutes or call (910) 791-1011 to speak with a Sizemore Insurance advisor.