If you own a caravan, understanding your insurance options is very important. Purchasing your caravan was an expensive investment that you’ll need to properly protect both on and off road for many years to come, and by having insurance for caravans you’ll be safely ensured no matter where you choose to live or travel to.

There are two main types of insurance for caravans and while similar in nature, they both offer very distinct benefits.

Touring caravan insurance
Touring caravan insurance provides coverage for caravan owners who move their caravan while traveling or touring. This protection covers:
• Campers
• Trailers
• Slide-on campers
• Horse floats
• Folding trailers

Since these caravans are mobile and are driven or towed along the road, they must have cover that will protect them and others from damages as they travel.

Static or stationary caravan insurance
Static caravan insurance provides coverage for caravans that do not travel but remain permanently in one place. Insurance for caravans that remain static is very similar in nature to homeowners or rental insurance, but includes special features that are unique solely to caravans.

What does insurance for caravans cover?
Policies that cover caravans can include protection for:

• Towing- In the event your touring caravan is unable to be driven, insurance will allow for it to be towed for repairs.
• Contents – With this protection you can cover damages and theft of the contents of your property.
• Liability protection- Protecting yourself against liability claims in all forms makes having this type of insurance coverage a necessity.
• Accommodations- If you are need of a place to live while your caravan is being repaired, accommodations will be available to you through caravan insurance.
• Caravan replacement- With caravan insurance you can rest assured, knowing that in the event your caravan is totally destroyed or rendered uninhabitable you will be able to have it replaced.
• Fire, flood, and storm damage- Mother Nature is unpredictable but having insurance for caravans means that you’ll be able to weather any storm that may occur.

How to save on caravan insurance
Saving money on your caravan insurance can really result in big savings. By taking advantage of the following discounts you may be able to cash in on some deep discounts:
• Over 55 reduced premium rates
• Paying your policy annually
• Combining policies
• Maintaining a good claim record

Insurance for caravans isnt as expensive as you may imagine. Regardless of whether its a static caravan site or for touring caravans, try an online caravan insurance quote today. Submitted by Matt Jensen.

Article Source:http://www.articlesbase.com/insurance-articles/understanding-static-and-touring-insurance-for-caravans-1514485.html