Sometimes, you just need to unplug and unwind. Camping offers that relief. You can make treats by the fire while enjoying the pastoral beauty of untouched American land. But before you pack your equipment, make sure your insurance is in place to protect your belongings.

What Insurance Policies Should You Consider Before Camping?

1. Liability Insurance

A liability policy will protect you if you’re responsible for injuries to others or damage to their property. 

A common source of campsite liability comes in the form of fires. Campgrounds often have fire regulations to follow. Check with park rangers to ensure you’re following the rules.

Many campgrounds also have a fire pit or fire ring. If one is supplied, this is the only place where you should start your fire. 

If one isn’t provided, dig a fire pit away from overhanging branches or potentially flammable objects. After digging the pit, encircle it with rocks. Clear a 10-foot area around the fire pit of anything that can catch fire. 

Be diligent when extinguishing the fire. Even a single remaining ember can start a dangerous blaze. If one does occur, your liability might fall under your homeowners policy. However, all plans are different. Before you head out to the campsite, contact your agent on the extent of your coverage. 

2. Auto Insurance 

The terrain of a campsite—even one with established paths—can be difficult to navigate. If you cause a crash, it will be covered under your liability policy. However, before your trip, you may want to consider expanding your auto coverage. 

A comprehensive plan will help cover your car from theft, vandalism, and certain forms of storm damage. It will also help you repair or replace the vehicle up to its actual cash value. 

Collision coverage offers help if you accidentally strike another vehicle or a tree. 

3. Umbrella Insurance 

You could be responsible for hundreds of thousands of dollars in damages if you're liable for a significant accident. Umbrella insurance provides higher limits than your home or auto policies. A basic plan will start at $1 million worth of coverage, which can help protect you if there’s an accidental fire or a hunting injury. 

4. Equipment Coverage

Camping equipment is expensive. During your trip, it may be stolen or damaged due to inclement weather. Most of the material should be covered under your homeowners policy even if they’re off the property. Go over the extent of your coverage before your trip. 

Knowing you have proper protection will ease your mind as you sleep under the stars. For 40 years, the citizens of Columbia, IL, have relied on Taake Insurance Agency LTD for their insurance needs. Offering policies for people and businesses alike, they work with major providers like Allstate® and Progressive® to ensure you have the right plan without breaking your budget. For more information on their policies, visit their website. To schedule an appointment, call (618) 281-7656.