Your trailer has no liability of its own. It's using your truck's.
Why this policy isn't a vehicle policy at all, what your auto limit is quietly doing for you at 65 miles an hour, what parking it permanently at the lake costs you — and where that utility trailer behind your truck is actually supposed to be insured.
The short answer
A Progressive travel trailer policy doesn't carry bodily injury or property damage liability — your tow vehicle's auto policy provides that while you're towing. Medical payments doesn't apply either. What this policy does is protect the trailer itself: comprehensive, collision, Pest Damage Protection, Roof Protection Plus (trailers under six years old, $250 deductible), and Vacation Liability for the campsite up to a $500,000 maximum. Neither pest nor roof coverage is available on stationary trailers. Cribb Insurance Group places it as an independent agency.
This isn't a vehicle policy. It's a property policy with a hitch.
Almost everything people get wrong about travel trailer insurance comes from assuming it works like car insurance. It doesn't, and the difference isn't a detail.
Progressive states it plainly on its own materials: travel trailer policies won't offer liability coverage, because the vehicle pulling the trailer already provides it. Medical payments doesn't apply to travel trailer policies either.
So strip it down. Your trailer policy is not standing behind you on the highway. It is not paying anyone's medical bills after a wreck. What it does is cover the trailer — the thing itself, and your belongings in it, and the specific ways a trailer falls apart.
| Situation | Which policy responds |
|---|---|
| You're towing and cause a wreck | Your auto policy on the tow vehicle. Not the trailer policy. |
| The trailer is damaged, stolen, or destroyed | The trailer policy — comprehensive and collision. |
| Someone is hurt at your campsite | Vacation Liability on the trailer policy. Different coverage, different situation. |
| Medical bills after a towing accident | Not the trailer policy — medical payments doesn't apply to it. |
Which means your truck's liability limit is your trailer's liability limit.
Read that again slowly, because it's the most useful sentence on this page and nobody says it out loud.
Arkansas's minimum is 25/50/25 — $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage. If that's what's on your truck, that is the entire wall standing between you and a lawsuit while you pull eight thousand pounds of fifth-wheel down I-49 at 65.
Arkansas is an at-fault state. Anything above your limit is personally yours; it does not disappear because the statute said 25/50/25. And a loaded trailer is not a neutral object in a collision — it's mass, it's momentum, and it's a jackknife risk that a car simply doesn't have.
Raising the auto liability on your tow vehicle is the single highest-leverage thing most trailer owners can do, and it usually costs less than people expect — because liability limits are cheap compared to the physical damage coverage everyone focuses on.
One number, three jobs.
Your auto bodily injury limit is doing more work than you think. It's the liability behind your car. It's the liability behind your trailer, per everything above. And on the Progressive home side, it's what sets your Package discount — 5% if you're under 50/100, and up to 15% at 250/500 or higher.
That's an unusual situation in insurance: one decision that improves your protection in two places and reduces a premium in a third. It's worth ten minutes with an agent who'll actually run the numbers rather than quoting you the floor.
Park it for good and you lose the two coverages built for it.
Progressive sells specific coverage for the two things that actually destroy trailers — rodents and roof failure. Both are excluded by name from nearly every property policy in existence. Both are unavailable on stationary trailers.
Rats, mice, birds, vermin
Covers damage to a nonstationary travel trailer caused by rats, mice, insects, birds, other nondomesticated animals, or other rodents and vermin. Vermin damage is an industry-standard exclusion — this is a specific answer to it.
Roof failure — including wear and tear
Pays to repair or replace the roof if it malfunctions even when the cause is wear and tear, plus damage to other parts of the trailer caused directly by the roof's malfunction. Trailers under six years old only.
No depreciation on partial losses
Progressive's own words: no deduction for depreciation on partial losses, and they'll return vehicles to pre-accident condition or better. Most trailer claims are partial, which makes this the rule that touches the most owners.
The trailer that sits is the trailer that needs it — and the one that can't have it.
Look at the shape of this honestly, because it's backwards from what you'd want.
A trailer that stays parked is the one mice move into — it's dark, insulated, undisturbed, full of soft wiring and foam, and nobody opens the door from October to April. A trailer that stays parked is the one whose roof seams sit in the Arkansas sun for twelve months a year and never get looked at until there's a stain on the ceiling.
And a trailer that stays parked is precisely the one Progressive won't sell Pest Damage Protection or Roof Protection Plus on. The more you need those two coverages, the less available they are.
That's not us calling anyone dishonest — the logic is obvious from the carrier's side, and a permanently parked trailer at a lake lot is a genuinely different risk than one that lives in your driveway and goes camping. But it means the decision to take a permanent site is also a coverage decision, and no one at the RV park is going to mention that.
And here's what we don't know: what "stationary" means.
Neither Progressive's public materials nor its agent reference card defines it. Is it a declared use on the application? A length of time parked? Whether the wheels come off? Whether it's on permanent utility hookups? We don't know, and we're not going to make up a test and let you plan around it.
What we can tell you is that the question is live, it has real money attached, and it's answerable — by us, on the phone, before you commit to a seasonal site at Beaver Lake or Bull Shoals rather than after the first invoice for a chewed harness.
This is where it goes. Yes, really.
If you came here looking for camping coverage, skip this section. If you came here because somebody told you the flatbed behind your truck needs its own policy and that sounded absurd — stay.
Progressive no longer accepts trailers on the Personal Auto program. The utility trailer you haul a mower on, a side-by-side on, a compact tractor on, equipment on — as our auto page explains, it's written on a Travel Trailer policy through Progressive's Recreational Lines program instead. Which is this page.
If you already have a trailer sitting on an older Progressive auto policy, it rides along until that policy lapses or cancels. New ones can't be added.
This is the most common surprise we see, and it never surfaces until a claim.
Nothing about towing a trailer behind an insured truck feels like it should need a separate policy. The truck is insured. The trailer is attached to the truck. Reasonable people conclude the obvious thing and are wrong.
Most households in Benton and Washington County who own a utility trailer have never been told this. It costs nothing to find out and it costs a great deal to find out late. Call before you assume the trailer behind your truck is covered.
What's actually on the policy.
| Coverage | What it does | Note |
|---|---|---|
| Comprehensive & Collision | Theft, fire, weather, animal strikes — and damage in an accident regardless of fault. | Comprehensive is now available without Collision on ACV policies. |
| Vacation Liability | Liability for an accident occurring while the trailer is stored or used as a temporary vacation residence. | Up to a specified limit, $500,000 maximum. This is campsite liability — not towing liability. |
| Pest Damage Protection℠ | Rats, mice, insects, birds, other nondomesticated animals, vermin. | Not available on stationary trailers. |
| Roof Protection Plus® | Roof malfunction including wear and tear, plus damage caused by the malfunction. | Trailers under six years old. $250 deductible. Not available on stationary trailers. |
| Emergency Expense | Temporary living facilities, transportation, food, fuel, and the cost of returning the trailer after a covered loss. | Triggers past 50 miles from home. Tiered — up to $7,500 on a full-timer's policy, lower on a recreational one. |
| Primary Replacement Cost Personal Effects | Your belongings inside, at replacement cost. | Up to $99,000. |
| Pet Injury | Vet bills if your pet is hurt in an accident. | Up to $1,000. Included with Comprehensive and Collision. |
| Roadside Assistance | 24 hours a day, 7 days a week. | For something you cannot push onto the shoulder by yourself. |
| Mexico Physical Damage | Physical damage coverage in Mexico. | Included with Comprehensive and/or Collision. |
| Fire Department Service Charge | The bill some departments send after a response. | Included with Comprehensive and/or Collision. |
| Bodily Injury / Property Damage Liability | — | Not offered on this policy. Your tow vehicle's auto liability covers you while towing. |
| Medical Payments | — | Does not apply to travel trailer policies. |
Two rows in that table are blank on purpose.
We left liability and medical payments in the table with dashes rather than deleting them, because their absence is the most important fact about this product and a coverage list that simply omits them tells you nothing.
Every other page in this carrier tree opens with a liability row. This one doesn't have one. That's not an oversight — a motorhome is a vehicle you drive, and a travel trailer is cargo you pull.
Three ways it settles, and one word to notice.
| Basis | What it pays on a total loss |
|---|---|
| Total Loss Replacement (TLR) | Replaces your current trailer with a new one. |
| Agreed Value (AV) | Pays the value listed on your declarations page. |
| Actual Cash Value (ACV) | Pays the lower of ACV or the rating base. |
The word in the ACV row is "lower."
Actual Cash Value pays the lower of actual cash value or the rating base — not whichever is better for you. That's how the coverage is defined and there's nothing improper about it, but it's a materially different promise than the two rows above it and it deserves reading rather than skimming.
Trailers depreciate hard and fast, which makes this choice matter more here than almost anywhere else. Agreed Value pays the number on your declarations page — no argument about what the market says a six-year-old bunkhouse was worth the morning the tree came down on it. Ask what each row costs before you default to the cheapest one.
And Disappearing Deductibles reduce your deductible by 25% after each claim-free policy period.
If you live in it, "optional" isn't what it sounds like.
Progressive defines a permanent residence as residing in a motorhome or travel trailer more than six months out of the year. Cross that and you're a full-timer, whatever you call yourself.
Progressive requires the full-timer's package when the trailer is your primary residence.
Read Progressive's public materials and you'll come away with the word optional, alongside the accurate note that full-time coverage isn't required by law. Both true.
Here's what doesn't sit next to them on the page: the carrier requires the package if the trailer is your home. Not the legislature — Progressive. It isn't a menu item for a full-timer; it's the condition of the policy describing your life.
"Optional" means no statute makes you buy this. It does not mean you can skip it. Those collapsed into one word, and the collapse lands on exactly the person who needs the difference.
The package brings Full Timer's Personal Liability, Medical Payments to Others, Loss Assessment, and Storage Shed Contents coverage. Loss Assessment is the one nobody's heard of and it's worth thirty seconds: if the park or association levies a charge on members to fix a shared area — the storm took the pavilion, the road needs redoing — that's a bill with your name on it, and Loss Assessment is what answers it. If you're in a park long-term, ask for it by name.
One more structural note: you cannot carry Vacation Liability and full-timer's coverage on the same policy. They solve the same problem at different scales for different lives, and they're mutually exclusive — which means the one you didn't pick is the one that would have responded.
The discounts — without invented numbers.
Progressive applies these if you qualify. Some vary and aren't available in every state and situation.
| Discount | How you get it |
|---|---|
| Original Owner | When the first issued title is still in your name. If you bought the trailer new and never sold it, say so — nobody thinks to mention this one. Applies to specific coverages. |
| Responsible Driver | When none of the listed operators has a driving record surcharge on the policy. |
| Multi Policy | Another policy in force with Progressive — auto, boat, motorcycle, manufactured home, motor home, snowmobile, or commercial auto. If your tow vehicle is already with Progressive, this is automatic. |
| Homeowner | When you own a home. |
| Advance Quote | Starting the quote at least one day before the policy begins. It scales with how far ahead you quote. |
| Paid In Full | Paying 100% of the premium at the point of sale. |
| Transfer | At new business, when prior insurance qualifies as continuous. |
| EFT / Automatic Card Payment | Automatic deduction from your bank account, or a card used for all payments on an ACP bill plan. |
| Prompt Payment | On new business, and on renewals in effect 12 continuous months with no late fees or NSF. |
| Claim Free Renewal | At renewal, when no at-fault or comprehensive claims of $1,000 or more were filed in the previous period. |
Two forgiveness features, one with a real number.
Accident Forgiveness — at renewal, you aren't charged for an at-fault accident, subject to the product's terms.
Small Claims Forgiveness — every claim where Progressive's total payout was $500 or less is waived at renewal. On a trailer that's a real backstop, because an enormous share of what happens to a towable is a $400 mistake involving a low branch, a gas canopy, or a corner you misjudged.
Why there are no percentages on this page.
Our Progressive auto page lists Arkansas discount percentages with real numbers, because Progressive publishes an Arkansas auto discount schedule. Those are auto figures. They don't describe this line, and we won't borrow them.
No published Arkansas percentage schedule for the RV program has been sourced. We'll quote it and tell you what it actually came out to — and note Progressive's own caveat, which most agencies don't repeat: discounts don't apply to a policy already at the minimum written premium. On a small trailer policy that's a live possibility.
Who's behind the policy.
On May 1, 2026, AM Best affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Rating of aa for the members of The Progressive Corporation, with a stable outlook. Financial strength answers one narrow question — whether a carrier can pay. Progressive can.
Progressive handles claims directly, 24/7, by phone, at progressive.com, or in the mobile app.
Narrower than some agencies imply.
We do not adjust your claim and we cannot overrule an adjuster. We'd rather be straight about that than let you find out at the worst possible moment.
What we do on a trailer claim specifically: make sure the right policy is the one getting called. Half the value we add here is knowing that the wreck goes to the auto carrier and the hail goes to the trailer carrier, and that filing the wrong one wastes a month. We'll also chase the file when it stalls, and move you to another of our markets afterward if Progressive is no longer the right fit. That last one is the part a captive agent structurally cannot do.
The policies around this one.
Arkansas travel trailer questions.
Does a travel trailer policy include liability coverage?
Not for the road. Progressive states that travel trailer policies don't offer liability coverage, because the vehicle pulling the trailer already provides it. Medical payments doesn't apply to travel trailer policies either. So while you're towing, the liability protecting you is your truck's auto liability — not anything on the trailer policy.
There's one important exception, and it isn't for the road: Vacation Liability covers accidents that happen while the trailer is stored or used as a temporary vacation residence, up to a specified limit with a $500,000 maximum. That's campsite liability, not highway liability. The two don't substitute for each other.
What liability limit applies while I'm towing my travel trailer in Arkansas?
Whatever is on your truck. That's the whole answer, and it's the reason this page exists. Arkansas's minimum is 25/50/25 — $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage — and if that's what your tow vehicle carries, that's what's standing behind you while you pull an 8,000-pound fifth-wheel down I-49.
Arkansas is an at-fault state, so anything above your limit is personally yours. Raising your auto liability is the single most effective thing most trailer owners can do, and it costs less than people assume. It also happens to raise your Progressive home Package discount, since that discount is set by your auto bodily injury limit.
Where does my utility trailer get insured?
Here. Progressive no longer accepts trailers on the Personal Auto program — the utility trailer you haul a mower, a side-by-side, or equipment on is written on a Travel Trailer policy through Progressive's Recreational Lines program instead. If you already have a trailer on an older Progressive auto policy it rides along until that policy lapses or cancels, but new ones can't be added.
This is the single most common surprise we see, because nothing about towing a trailer behind an insured truck feels like it should require its own policy. Call us before you assume the trailer behind your truck is covered.
Does insurance cover mice or roof leaks in a travel trailer?
Progressive sells specific coverage for both, which is unusual — vermin damage and wear and tear are the two things nearly every property policy excludes by name. Pest Damage Protection covers damage from rats, mice, insects, birds and other nondomesticated animals. Roof Protection Plus covers a roof that malfunctions even when the cause is wear and tear, plus damage to other parts of the trailer caused directly by the roof's malfunction.
Two catches. Roof Protection Plus can only be purchased for trailers less than six years old, with a $250 deductible. And neither coverage is available on stationary trailers at all.
What happens to my coverage if I park my trailer permanently at a lake?
You lose access to the two coverages built for exactly that situation. Progressive states that both Pest Damage Protection and Roof Protection Plus are unavailable on stationary trailers.
Sit with the shape of that: a trailer that stays parked is the trailer that gets mice, and it's the trailer whose roof seams sit in the Arkansas sun year-round without ever being inspected — and it's the one that can't buy the mice coverage or the roof coverage. Neither Progressive's public materials nor its agent reference card defines what makes a trailer stationary, so we won't invent a test for you. But if you're thinking about a permanent spot at Beaver Lake or Bull Shoals, have this conversation before you park it, not after.
When does a travel trailer become a residence for insurance purposes?
At six months. Progressive defines a permanent residence as residing in a motorhome or travel trailer more than six months out of the year, and if the trailer is your primary residence, Progressive requires the full-timer's package.
That word "requires" matters. Progressive's public materials describe full-time coverage as optional and note it isn't required by law, and both of those are true. But the carrier requires it when the trailer is your home. Optional means no statute makes you buy it; it does not mean you can skip it.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas families can find our local explanations.
Progressive is one of 40+ carriers we represent.
Which means we'll ask the two questions that actually decide this: what's on your tow vehicle, and where does the trailer sleep. One of those sets your real liability limit and the other decides which coverages you're even allowed to buy. Send us your declarations page — both of them — and we'll read them back in plain English. Same conversation, no wrong answer. And if what you have is already right, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Progressive, and this page is not endorsed, sponsored, reviewed, or approved by Progressive. “Progressive,” “Roof Protection Plus,” “Pest Damage Protection,” and related marks are trademarks of Progressive Casualty Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Progressive travel trailer policies are issued by Progressive affiliates.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverage, discounts, program terms, eligibility, limits, settlement options and availability vary by state, by product, by policy, and over time, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Roof Protection Plus and Pest Damage Protection are optional coverages that must be purchased, are subject to eligibility requirements including vehicle age, and are not available on stationary trailers. Progressive's materials do not define “stationary,” and nothing on this page should be read as establishing what does or does not make a trailer stationary — that determination is Progressive's. If anything on this page conflicts with the issued policy, the policy controls.
Statements about which policy responds to a given situation are general descriptions of how these products are structured and are not a coverage determination. Whether any particular loss is covered depends on the policies actually issued and the facts of the loss. Nothing here should be relied on to decide whether you are adequately insured while towing; that requires reviewing your auto policy, which we're glad to do.
Emergency Expense limits are tiered and vary by policy and by whether the policy is a recreational or a full-time policy. The $7,500 figure applies to full-timer's policies; the recreational-policy limit is lower and is not quoted here. Statements that Progressive requires the full-timer's package when the trailer is a primary residence describe a carrier requirement, not a legal one, and are not a statement of what would happen if a policy were written otherwise. Whether your use constitutes a primary residence is Progressive's determination to make on your facts.
Statements about Arkansas law are general information and are not legal advice. Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. Rates and premiums are not quoted on this page.
Last reviewed July 2026.