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Old 11-28-2013, 07:28 AM   #1
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do i need insurance?

Hi all,

I am new and am still in the process of purchasing first travel trailer. Can someone please explain how the RV insurance works vs your auto insurance and homeowners insurance when parked at your house?
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Old 11-28-2013, 07:48 AM   #2
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To get the most accurate information, i would ask your current house and car insurance companies the very same question. Then you should be able to make a decision on coverage for your specific needs
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Old 11-28-2013, 07:57 AM   #3
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If you are buying an Rv and take out a loan the bank will require you to have RV insurance. Depending on state laws if you pay cash for it you may not have to, I would advise spending as much money as you are to get insurance. Rv insurance is more like your home owners while it does cover the trailer in an accident it also covers, fire,wind and other things. Its not that expensive I've had a trailer for 11 yrs and never had a claim but just recently a friend had their trailer flip on it's side in the wind, while it was sitting in their yard, and the insurance is going to total it out. For 250$ to 500$ a year they will be able to get a new one.
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Old 11-28-2013, 08:06 AM   #4
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The previous poster is correct.

However, from my perspective:

1) If you borrowed against the camper to pay for it, the lender most likely will require you to carry insurance to repay the loan if there is a loss.

2) Auto Insurance - Three types and YOU MUST ADD the camper to your policy for all three

Collision - While connected to your tow vehicle "AND IN MOTION" your auto insurance Collision portion will cover you for loss while traveling.

Comprehensive - Will cover losses while at the campground or in your storage location. (Tree falls on it or it burns up in a fire)

Towing - You should have towing on all your vehicles including the camper (See Bad day - Herk). You may need to have the truck towed to the dealership and the camper towed to a campground close by.

3) Camper Insurance for repairs - The OEM warranty is for 1 year from date of purchase.

The DEALERS WILL NOT TELL YOU ABOUT THE SECOND YEAR EXTENSION FROM FR ON TRAILERS. See the FAQ for the application form. You can apply directly to FR and it is VERY cheap.

4) Dealership Extended Warranty - (IMO) Expensive and useless as most will only pay "if it is not your fault." Most of them have a high deductible and will make every effort to say whatever broke was your fault.

I got an extended warranty when I bought our camper and discovered WATER DAMAGE (the biggie) IS NOT COVERED. Save your money.
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Old 11-28-2013, 08:31 AM   #5
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HERK did you check your home owners like insurance for the water damage you might have water damage coverage there. I know wind was insisted on by insurance agent , without they wouldn't cover awning damage but I can't remember if there was anything about water.
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Old 11-28-2013, 08:46 AM   #6
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We scraped against some limbs once, no visible issues that we could tell, wouldn't have thought they'd have done any damage..... Some time later, we discovered massive leak issue with our walls and, you guessed it, it came back to that same spot. Thankfully, the insurance covered the trailer and our butts! I wouldn't consider not having it. IMHO
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Old 11-28-2013, 08:52 AM   #7
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Quote:
Originally Posted by mark0224 View Post
HERK did you check your home owners like insurance for the water damage you might have water damage coverage there. I know wind was insisted on by insurance agent , without they wouldn't cover awning damage but I can't remember if there was anything about water.
Hmmm. Never thought about that.
Did you somehow add it to your homeowners?
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Old 11-28-2013, 09:08 AM   #8
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I seem to remember being told that whether your Homeowners covers parts of your RV or not depends on how long it is.
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Old 11-28-2013, 09:10 AM   #9
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I insure my RV with the exact same policy as my cars, but I have it insured for what I paid if it gets total. If you park it at home your homeowner policy will cover it while it's parked. I just had to renew my policy's and went through this with them. I use AARP with Hartford. I also got the second year through FR $150.00. That is up in Feb 2014. I bought an extended plan for it, It was for 7 years, but because I had FR I lost 2 years so instead of 7 that I paid for they will not kick in til Feb. Lost 2 years, but it was cheaper to buy it when new, if I waited til FR was over I would have to pay $400.00 more then new. I have Cornerstone Bumper to bumper with a 100.00 deductible. I can cancel at anytime and it transferable.
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Old 11-28-2013, 09:27 AM   #10
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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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