Either you go on a vacation with your trailer or decide to live in it permanently, you have to choose the insurance policy which better suits your needs in these situations. Travel trailer insurance protects not only your home on wheels but also your possessions in it in case of losses which occur due to theft, vandalism, accidents and natural calamities.

Such an insurance usually provides extra coverage for lodging, and campsite liability policy. Here are the ten golden elements your comprehensive travel trailer policy must include:

1. Coverage for possible damages like: accidents and collisions, theft or acts of vandalism, fire and smoke, natural calamities like: landslides, flood, thunderstorms, hails etc.

2. Bodily injury and property damage liability. This covers medical payments in case you get injured by someone in your mobile home and the costs of damage that happened to your vehicle, but also covers the expenses due to the fact that it is you who accidentally hurts someone else or you cause damage to someone else's property.

3. Uninsured/underinsured motorists: this covers the expenses (medical and technical) an uninsured or underinsured party causes to you accidentally.

4. Includes emergency policy: if, due to some covered damage or loss your trailer becomes disabled and you have to find another temporary housing facility, the costs of these will be covered by your policy, as well as your transportation expenses and the costs of towing your damaged vehicle.

5. Camping liability: in case your trailer has the role of a temporary residence

6. Non stop roadside assistance: this includes towing services, maintenance, flat tires, damaged accessories' replacement, entrapment in snow or mud, battery failure etc.

7. Complete loss replacement policy, as well as personal items replacement. Personal items might include: stolen or damaged cameras, CD players, clothing items, passports and other personal documents.

8. Policy both for trailers which have a motor and for those which are just pulled in order to become mobile. The insurance policy usually covers a lot of trailer types, such as: stationary trailers, five wheeled mobile homes, truck-mounted campers, pop up trailers etc.

9. Such a policy has the possibility to be renewed annually.

10. Pet injury coverage: in most of the cases this is automatically included in a full coverage, at no extra charge.

Many factors can affect your purchasing of the right policy:

- the features of your trailer: type, size, age, technical condition
- your driving habits: whether you have a clean driving record, whether you have completed safety courses etc
- your age and gender also can influence the amount of premiums, as well as the fact of being an inexperienced driver
- address and garaging: if you are living in or driving through a high risk area, or if your trailer has no proper garage you may expect some very high premium rates.

Before choosing the best offer it is essential to check out the websites of different agencies, as there are online brokerage companies specialized in this type of coverage. Try to get at least three quotes before making a decision, compare prices and investigate thoroughly all the components that you consider absolutely important to be covered. When comparing agencies it is always useful to check out the company's reputations. If possible, find out the current ranking of the company in the Internet databases, and read the comments, reviews of former customers, as well as your fellow drivers.