Insurance Considerations for Towing Your Boat or RV Through California

Boating and recreational vehicle (RV) travel can take you to a variety of destinations, but towing a trailer may involve additional risks and responsibilities. At GP Insurance Solutions, we can help you understand how your boat insurance applies while your property is in transit.

Understanding Liability While Towing

Your auto insurance liability coverage may extend to a trailer you’re towing, but it generally only covers damage caused to others. The boat or RV being towed typically isn’t covered if it’s damaged in a collision, fire or theft. Reviewing your policies can help identify gaps in your recreational equipment.

Specialized Coverage for Boats and RVs

California drivers towing boats and RVs may consider the following:

• Physical damage coverage can cover your boat or RV from road hazards, vandalism or accidents while on the road.
• Unattached equipment coverage may apply to fishing gear, GPS units, camping equipment or other items inside the vehicle or vessel.
• Roadside assistance coverage may prevent an unexpected breakdown from becoming a costly situation.

California Safety and Compliance

Local towing regulations may include speed limits and lane restrictions that vary by location. Routine equipment maintenance may help reduce the likelihood of issues during a trip. A quick check of hitch connections, tire pressure and brake lights before departure can help catch potential problems early. The right insurance may help offset costs tied to unforeseen mechanical failures or accidents.

When to Review or Update Your Towing Coverage

Certain situations may be a good time to review your towing policy. These may include:

• Purchasing a new boat or RV
• Upgrading your trailer or towing equipment
• Traveling to new destinations or routes
• Adding new gear or equipment to your vessel or vehicle

Learn More

Contact GP Insurance Solutions today to discuss your options and get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.