Interesting question. I just sold my TT in advance of ordering my 5'er and thus I cancelled my State Farm policy. I have every discount State Farm offers on home and cars, as a 43 year policy holder..........but the TT was fairly high premium. I got to checking, and they don't cover contents. I asked about that and was told "Well, that's covered as a 10% limit against your homeowners".
Huh? Don't get that. What does my home have to do with my travel trailer? So I checked around. Progressive is the only company I can find that covers contents separately, and on top of that, let's me choose how much coverage........$2,000, $30,000, whatever..........my choice.
They do two other things that I can't find elsewhere. They are only ones to have a $2,500 deductible, which lowers premium considerably. But........they reduce the deductible by like 25% (or so, not sure how much) each year that you don't have a claim. So, I can get the high deductible/low premium and in a couple of claim free years, the deductible is down to where the others would have been anyway.
I also checked with Good Sam's insurance.........and they were 3X higher premiums than Progressive for same trailer.
State Farm's premium was cheapest of the three, but I don't care for the actual coverage. (I had a similar situation when I got a new Side by Side ATV last year. State Farm treats it as a motorcycle, offers NO discounts, and wanted a fortune. Progressive treats it as an ATV. Motorcycles have booku claims. ATV's have almost none. Premium dropped way down.)
I have not checked anyone else. But clearly, the various companies are quite different.
"Next to prayer, fishing is the most personal relationship of man"Calvin Coolidge
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2016 GMC Denali 3500Dually--2017 CC 36CKTS