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Old 11-28-2013, 02:47 PM   #11
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All great advice. Thank you all very much. I will call my insurance company tomorrow and start shopping around for policies. I am financing it so that is a good point I am going to be required to have It. Is there anything that some polices have or don't have that I should look for?
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Old 11-28-2013, 03:04 PM   #12
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I have a contact email with USAA and asked the questions presented here. It is Turkey Day in the US of A, so I don't expect an answer till Friday at the earliest.
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Old 11-28-2013, 06:02 PM   #13
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Is there anything that some polices have or don't have that I should look for?
Keep in mind that not all insurance companies cover the same things. For instance, it's not a good idea to think that your homeowners policy will cover it at the house unless you read that for yourself in that policy (and don't just ask the agent...they're almost like RV dealers).

I tend to look at RV specific policies instead of adding on to an auto policy even though a lot of people do just that. I've found that most RV policies offer a full replacement cost option. They will usually cover roadside / towing for the trailer and whatever vehicle is attached to it at the time. Those are the two things I value most out of a policy, but I've seen things like personal belonging coverage and trip cancellation / emergency lodging coverage included in the policies...not something you get with most auto policies. Again, verify it and don't assume.

Look up RV insurance and get a look at some of the things offered then talk to your auto / homeowners people and see what the differences are as far as coverage and cost. You might be able to add on to a policy for less money and be comfortable with what it covers, but you may not. Just research it well, insurance surprises aren't fun.
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Old 11-28-2013, 07:36 PM   #14
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Reply from USAA:

I received your message regarding your travel trailer coverage.

It is important to note that your RV is specifically excluded by your homeowners contract. All coverage for damage to your RV is provided by the auto policy only. As you currently carry comprehensive coverage with a $500 deductible your RV is covered against water damage such as flood.

It is important to note that a blanket coverage statement is not definitive and each claim is adjusted on its own merits at the time of the loss. Therefore, any change in circumstances can affect the outcome of the coverage decision.

********************************************

I replied and asked specifically about damage from a leaking roof seam. Will keep you advised as to their response.
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Old 11-28-2013, 08:25 PM   #15
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USAA Contracts through Progressive and we had that policy when we had basic needs with a 7 year old TT.

When we upgraded to a 5er this year with a LOT of high tech extras/upgrades, we took a hard look at the USAA(Progressive) policy and shopped around.

We found that Good Sam Club offered the best and most comprehensive RV Insurance out there - with a surprising $200 deductible on both Comprehensive & Collision. They offered many other options that we found desireable (Flat rate, no deductible contents insurance, camping & trip interruption insurance). Plus they beat a similar quote from Progressive (USAA) by over $250 for the year! We are diehard USAA consumers so we were quite surprised but wound up going with Good Sam's.

Note: We are Charter Good Sam's Club life members, so we do not incur a annual membership (even so it is only $30 or so...)
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Old 11-29-2013, 05:25 AM   #16
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Hmm also Good Sam Life. Need to think about this.

Is your Good Sam in addition to your auto policy or does it replace it?
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Old 11-29-2013, 09:59 AM   #17
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USAA Contracts through Progressive and we had that policy when we had basic needs with a 7 year old TT.

When we upgraded to a 5er this year with a LOT of high tech extras/upgrades, we took a hard look at the USAA(Progressive) policy and shopped around.

We found that Good Sam Club offered the best and most comprehensive RV Insurance out there - with a surprising $200 deductible on both Comprehensive & Collision. They offered many other options that we found desireable (Flat rate, no deductible contents insurance, camping & trip interruption insurance). Plus they beat a similar quote from Progressive (USAA) by over $250 for the year! We are diehard USAA consumers so we were quite surprised but wound up going with Good Sam's.

Note: We are Charter Good Sam's Club life members, so we do not incur a annual membership (even so it is only $30 or so...)
I remember a thread on here about GS insurance. They said that the premium doubled and they dropped them after the first year. I have GS towing, which also covers my cars at home and 100 miles towing free to anywhere you want to go. It also covers the same think like trip planning and interruption. I use to have AARP. I had a blow out and needed them, I had to pay I think it was a 75.00 extra for RV on the tow policy. Well they sent a guy in a car with a jack, when he got there he said he couldn't change it well DAH, I called a wrecker in town he changed it and I sent the bill to AARP who was using AMCO then.
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Old 11-29-2013, 10:12 AM   #18
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I remember a thread on here about GS insurance. They said that the premium doubled and they dropped them after the first year.
I'm on my second year with GS. My premium went up about $100, but when I called GEICO, I found that their premium had also gone up by about $100 over the quote I got a year earlier.
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Old 11-29-2013, 10:44 AM   #19
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I'm on my second year with GS. My premium went up about $100, but when I called GEICO, I found that their premium had also gone up by about $100 over the quote I got a year earlier.
That's strange mine dropped about $120.00 a year after I called and complained to Hartford AARP and told them that I would cancel them. So they rewrote the policy. I had a 500 dollar vanishing deductible. But now I'm back to $500. Which is fine with me......
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Old 11-29-2013, 11:03 AM   #20
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I looked at GS and ended up with Progressive. Between the multi vehicle, multi policy, blah, blah it ended up being a few hundred cheaper with not a lot of difference in coverage.
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