Park Model Camper Insurance

Park Model Camper Insurance: A Comprehensive Overview


Park model campers offer an excellent way to enjoy the great outdoors with all the comforts of home. However, just like any other valuable possession, it’s crucial to ensure that your park model camper is adequately insured. Park model camper insurance provides you with peace of mind and financial protection in case of unforeseen events.

What is Park Model Camper Insurance?

It is a specific type of insurance designed to protect your park model camper, which is essentially a stationary, non-motorized RV often located in a designated camping area or park. This insurance covers various risks and liabilities associated with your park model camper, similar to homeowners insurance.

Coverage and Benefits

  1. Property Coverage: This covers the physical structure of your park model camper, including any attached structures like decks or porches.
  2. Personal Belongings: It provides coverage for your personal belongings within the camper, such as furniture, electronics, and other valuable items.
  3. Liability Coverage: This protects you in case someone is injured on your property and you’re found liable.
  4. Additional Living Expenses: If your park model camper becomes uninhabitable due to a covered event, this coverage helps with temporary housing and living expenses.

Factors Affecting Premiums

Several factors influence the cost of park model camper insurance, including:

  1. Location: The geographical location of your park model camper can affect the premium due to varying risks associated with different areas.
  2. Coverage Limits and Deductibles: The extent of coverage and the deductible you choose can impact your premium. Higher coverage limits and lower deductibles generally result in higher premiums.
  3. Security Measures: Security features like alarms and locks can potentially reduce your premium by minimizing the risk of theft or damage.
  4. Claims History: A history of claims or losses on your insurance record may increase your premium.


Owning a park model camper can be a rewarding experience, providing a home away from home in picturesque outdoor settings. However, ensuring that your investment is protected with adequate insurance is of paramount importance. It offers a range of coverage options, safeguarding your camper and personal belongings from potential risks and providing liability protection. Be sure to carefully consider the coverage you need and consult with insurance professionals to select the best policy that suits your needs and budget. Remember, a well-protected park model camper allows you to enjoy the serenity of nature without worry.