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Old 04-12-2016, 01:28 PM   #1
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insurance?

I'm looking for the best deal on insurance for my new travel trailer. I will not be putting it on my current vehicle or my home owner's plans. Any tips? thanks
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Old 04-12-2016, 01:44 PM   #2
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geez, I guess if I scroll down a bit I will find an answer 😜 sorry, just a newbie with many questions
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Old 04-12-2016, 08:15 PM   #3
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Insurance

I have had Nationwide for the past 5 yearsand they have been great, I have insurance for the value of the fiver when I bought it new ( stated value ). I pay a little more not allowing for depreciation but I know how much it will cost to replace my 4 year old rig with one of equal value.
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Old 04-12-2016, 08:59 PM   #4
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Progressive


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Old 04-12-2016, 09:14 PM   #5
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State Farm. I've used it twice for blowout damage and was settled within 3 days both times.
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Old 04-12-2016, 09:26 PM   #6
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I have mine on my auto policy with NC Farm Bureau. The liability is covered by the tow vehicle and I pay separately for collision and comprehensive on the TT. I haven't had to use it for the trailer but we had good service when a deer decided to hit my wife's car early one morning last summer.
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Old 04-12-2016, 09:36 PM   #7
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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.
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Old 04-13-2016, 10:41 AM   #8
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There are very few companies that specifically cover trailers properly. Progressive, National Interstate, and Geico all do.

For fulltiming, I used an insurance broker - Miller Insurance Agency and also talked with RV Insurance | Insurance Quotes | RV Insurance Professionals.
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Old 04-13-2016, 10:49 AM   #9
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I've got Erie (live in Maryland) and couldn't be happier with it. I've had to replace the awning twice (once my fault) and my agent has been great both times. Now, it looks like we're stepping up to a Class C and I've already talked to my agent about coverage. I couldn't be happier.
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Old 04-13-2016, 08:30 PM   #10
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Quote:
Originally Posted by bjgillrocks View Post
I'm looking for the best deal on insurance for my new travel trailer. I will not be putting it on my current vehicle or my home owner's plans. Any tips? thanks
Yes, a couple things. Some insurance companies will "punish" you for not having all your stuff under one roof. By that I mean they will increase your premium on your existing insured stuff by taking away your multi-vehicle discount away for not keeping all under their roof. So, you are NOT required to inform them that you have your TT insured by somebody else. If they do find out, they may raise your rates as I said. Dirty pool, sure, but it's an insurance company, so it should be no surprise. Shop for the best premium, the service angle they push is overrated.
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