Things To Know Before Insuring Your Airstream

Insuring an Airstream trailer isn’t like insuring just any RV. These iconic silver bullets, known for their durability and style, hold their value better than most RVs. But before you sign up for a policy, there are a few critical things you need to consider.

Understand Your Airstream’s Value

Unlike many RVs, Airstreams often appreciate or maintain their value over time. This is especially true for vintage models, which can become collector’s items. When you’re insuring your Airstream, ensure the policy reflects its true market value, including any customizations or restorations. Standard RV insurance might only cover the depreciated value, which could leave you significantly underinsured.

Choose the Right Type of Coverage

For most Airstream owners, comprehensive coverage is essential. This protects your trailer from non-collision incidents like theft, vandalism, and weather damage. However, because Airstreams are often customized, you might want to look into agreed value or stated value policies, which ensure you’re compensated fairly if your trailer is totaled.

Consider Your Usage

Are you a full-time RVer, or do you use your Airstream seasonally? Your usage will affect the type of insurance you need. Full-time RVers may require additional liability coverage, similar to a homeowner’s policy, while part-time users might focus more on storage and travel-related risks.

Get Specialized Help

Not all insurance agents are familiar with the unique aspects of insuring an Airstream. Consider working with an agent who specializes in RVs or, better yet, Airstreams specifically. They’ll understand the nuances and help you get the coverage you need.

Conclusion

Insuring an Airstream isn’t just about protecting a vehicle; it’s about safeguarding a lifestyle and an investment. Make sure you understand the value of your Airstream and choose the right coverage to match. By doing so, you can hit the road with confidence, knowing that your trailer is well-protected.