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Old 11-08-2017, 01:43 PM   #1
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Anybody not have Insurance?

I was thinking (and could be wrong) that my travel trailer was covered by my truck insurance while in tow. And covered by homeowners while at home.

So I don't have any coverage.

I'm thinking maybe about getting a policy, but hate paying insurance premiums!

Anyone else NOT have insurance?
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Old 11-08-2017, 01:50 PM   #2
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Not an insurance expert but you might want to check into that and make sure your assumptions are correct. It may depend on what state you live in as well.

What about coverage while you're at a CG and unhooked from your truck?

I'm pretty sure we are required to have coverage for our 5th wheel since we still have a loan on it.
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Old 11-08-2017, 01:51 PM   #3
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No - we have separate insurance for our TT. Good thing too, because we had some damage occur. My DH was pulling the trailer in our driveway when it happened. I don't think either truck or homeowners would have covered that.
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Old 11-08-2017, 01:54 PM   #4
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Quote:
Originally Posted by Iwritecode View Post
Not an insurance expert but you might want to check into that and make sure your assumptions are correct. It may depend on what state you live in as well.

What about coverage while you're at a CG and unhooked from your truck?

I'm pretty sure we are required to have coverage for our 5th wheel since we still have a loan on it.
I'm definitely not an insurance expert either..
Just figured I'd take my chances instead of paying a couple hundred bucks a month for insurance.

I don't have a loan on it....
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Old 11-08-2017, 02:01 PM   #5
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You're right about the truck under tow. I asked an agent specifically about that.

I can't help about anywhere else- especially when unhitched anywhere but your home.

Personally, calls to insurance agents are free. I'd start there.
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Old 11-08-2017, 02:10 PM   #6
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I'm definitely not an insurance expert either..
Just figured I'd take my chances instead of paying a couple hundred bucks a month for insurance.

I don't have a loan on it....
We really don't pay that much for ours. It's only around $50/month. It covered us on our previous trailer when our awning blew up over the roof.
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Old 11-08-2017, 02:12 PM   #7
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Here is Massachusetts, dedicated insurance is required on a TT to be registered.
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Old 11-08-2017, 02:12 PM   #8
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Quote:
Originally Posted by Iwritecode View Post
We really don't pay that much for ours. It's only around $50/month. It covered us on our previous trailer when our awning blew up over the roof.
Oh wow. I wouldn't mind $50...

When I bought the trailer the dealer had an inhouse guy quote me over $200 per month...
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Old 11-08-2017, 02:14 PM   #9
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Quote:
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I'm definitely not an insurance expert either..
Just figured I'd take my chances instead of paying a couple hundred bucks a month for insurance.

I don't have a loan on it....
If you've been quoted " a couple hundred bucks a month" for trailer insurance, I wouldn't want to buy it either. You should be able to get coverage for the whole year for that.
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Old 11-08-2017, 02:16 PM   #10
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We have a policy on our TT, it's about $200 for the year. Our Insurance agent told us that our auto policy covers it while towing and H/O policy covers while it's at our house. But since we are seasonals and never tow, it stays at the CG on the site. We have American Family Insurance.
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Old 11-08-2017, 02:22 PM   #11
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Quote:
Originally Posted by KyleStout View Post
Oh wow. I wouldn't mind $50...

When I bought the trailer the dealer had an inhouse guy quote me over $200 per month...
I have fulltimer coverage with extra riders/amounts for the contents and hotel stays and I don't pay over $200/month. Someone was taking you for a ride!
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Old 11-08-2017, 02:23 PM   #12
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Originally Posted by latner View Post
If you've been quoted " a couple hundred bucks a month" for trailer insurance, I wouldn't want to buy it either. You should be able to get coverage for the whole year for that.
Agreed... I think ours is $178 (full replacement coverage) for the entire year.
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Old 11-08-2017, 02:25 PM   #13
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well... now I'm kinda tee'd off about the quote.. but happy I can get coverage much cheaper than I thought...
Roller coaster of emotions.. lol
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Old 11-08-2017, 02:34 PM   #14
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Quote:
Originally Posted by KyleStout View Post
Oh wow. I wouldn't mind $50...

When I bought the trailer the dealer had an inhouse guy quote me over $200 per month...
My TT with Shelter Insurance is around $200 for the whole year. You may want to check around and see what you can get.

My bike in my avatar comes in at $75 for a year.
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Old 11-08-2017, 02:36 PM   #15
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Your TT is covered under your TV Liability policy while connected to your TV only. when you disconnect you are not insured at all. and home owners wont cover it either. You need separate coverage for your TT
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Old 11-08-2017, 02:38 PM   #16
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We pay around $325 year for full coverage/$500 deductible thru our policy provider. I owe it to my family to be smart and not take chances. We cannot afford to lose our 5'r and still be forced to make payments on something I can't use. I remember (many years ago) and auto policy would cover anything being legally towed, however, in many circumstances, that is NOT the case any longer. One other thing you might want to consider, are you making payments? Your bank might not allow you to NOT have insurance on your rig. As others have said, call your insurance company to find out the facts on your circumstance, and if you have a loan, call the lender and find out their requirements. It can only help keep you legal and safe.
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Old 11-08-2017, 02:42 PM   #17
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Hi Kyle, I live in Florida, so.....
I don't have separate trailer insurance, either. My truck insurance rep. (AARP Hartford) indicated my travel trailer was covered while in tow, as you had indicated for Indiana. Never thought to check whether my home insurance covers it while parked!

Got another trailering friend who tells me he's never purchased separate trailer insurance. It seems dicey, but yeah, yet another monthly bill for something you hope to never need.

My RV storage rep. ASKED for my trailer insurance info., but allowed me to write "none" on the form. It's agreed that I'd be responsible for damage to another person's unit and vice versa, in the event of misfortune.

Suz
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Old 11-08-2017, 02:52 PM   #18
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Remember it may be covered while at your home with your homeowners policy but that means it is also subject to the policy deductible and limitations.It may not cover everything and the deductible may be high.
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Old 11-08-2017, 02:56 PM   #19
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So, you think if you don't have insurance and run into a billboard and total your travel trailer, that your truck insurance is gonna buy you a trailer????????????? Or if it catches on fire while parked in Podunk State Park that your truck insurance is gonna buy you a trailer? Or if Joe Smith breaks in and steals everything you own while you're out eating while staying at same state park, that your truck (or homeowners???) insurance is gonna replace that?

???

OK. But you might oughtta check with them on that...................
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Old 11-08-2017, 07:16 PM   #20
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Your truck liability isn't going to pay a dime towards your trailer, but it will pay the billboard the trailer hit. Liability only covers damage to other's property, not your property.
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