Thread Tools Display Modes
Old 05-04-2010, 04:19 PM   #21
Junior Member
Join Date: Dec 2009
Posts: 5
My Farmers agent tells me I that the TT is covered under home owners policy. Am I missing something here. I did ask specifically about coverage for TT.

dalbert69 is offline   Reply With Quote
Old 05-04-2010, 08:00 PM   #22
Site Team
acadianbob's Avatar
Join Date: Mar 2008
Location: St. Paul, Minnesota
Posts: 2,985
Man, I would double check that and be darn sure. We have State Farm insurance and our trailer is separate. It is a Motor Vehicle with a title. I'd frankly be surprised if your home owners covers it.

2018 F250 Lariat 6.2 4X4 w 4.30s, 2018 Wildcat 29RLX
2003 Yamaha FJR1300, Demco Premiere Slider
1969 John Deere 1020, 1940 Ford 9N, 1948 Ford 8N
Jonsered 535, Can of WD-40, Duct Tape
Red Green coffee mugs
acadianbob is online now   Reply With Quote
Old 05-05-2010, 01:22 AM   #23
Senior Member
flyrotor's Avatar
Join Date: Sep 2009
Posts: 755
A home owners policy may cover theft of content, but I dont think it will cover collision or liability
flyrotor is offline   Reply With Quote
Old 05-05-2010, 06:15 AM   #24
Senior Member
kvtaylor's Avatar
Join Date: Nov 2009
Location: Dahlgren VA
Posts: 317
We have Progressive on the motor home. Never made a claim so I hope their OK. We had GMAC, but was worried that finanationaly they may be strapped for money with GM. USAA on the cars and truck, good company. But trade you off to another co for motor homes. Farm Bureau on the house. excellent coverage.

Ken and Velda
Dahlgren, VA.
2008 Georgetown XL 378
2010 Ford Escape Limited
kvtaylor is offline   Reply With Quote
Old 05-05-2010, 08:34 AM   #25
Moderator Emeritus
MtnGuy's Avatar
Join Date: Sep 2008
Location: Shenandoah Valley
Posts: 9,273
In VA., the liability is covered by the tow vehicle. For collision and comprehensive, you have to add that to your auto policy. I think mine runs $76 per year.

Chap , DW Joy, and Fur Baby Sango
2017 F350 Lariat CCSB, SRW, 4x4, 6.7 PS
2017 Grand Design Reflection 337RLS
MtnGuy is offline   Reply With Quote
Old 05-05-2010, 08:51 AM   #26
Moderator Emeritus
Join Date: Nov 2008
Location: Winston-Salem, NC
Posts: 2,381
The camper is probably covered by your homeowners policy as long as it is sitting in the yard, and not connected to the tow vehicle. Once connected to the tow vehicle, auto insurance takes over for liability. Any other coverage such as collision and comprehensive you want on the camper you will have to purchase. Now I haven't read your policy and don't know any details or specifics. The above statements are generalizations, and I make no claim as to their accuracy. Hope that keeps me out of legal trouble.
2012 Ford F250 ext. Cab 4x4
2002 Jeep Wrangler Sahara
2008 Yamaha V-Star 650 Classic

2008 Work and Play 18LT
LadyWindrider is offline   Reply With Quote
Old 05-05-2010, 09:30 AM   #27
Join Date: Mar 2010
Posts: 35
We have State Farm for everything. We are very satisfied. Since my SIL is a State Farm agent, we have never had any problems with service.
Bob and Teresa is offline   Reply With Quote
Old 05-05-2010, 07:45 PM   #28
archham's Avatar
Join Date: Jul 2009
Location: High Point NC
Posts: 96
Almost 19 years in the insurance business speaking here - the only coverage you have on your homeowners for the TT is your personal property (contents) in the TT - wherever it is. Other posts are correct that the liability follows the TV. Definitely purchase an RV policy - mine is with Progressive as well. Some companies might let you add it to your auto policy for comp & collision, but ask about how the awning is covered if you do it that way.
2012 Puma 30FQSS
2005 Ford F-250 Super Crew 6.0 PSD
2003 Honda Odyssey
1 wife, 1 son, & 1 cat
Volunteer Firefighter/EMT
Asst. Scoutmaster (BSA)
archham is offline   Reply With Quote
Old 05-27-2010, 03:57 PM   #29
Junior Member
Join Date: Dec 2009
Posts: 5
The agent I had was very misleading in the direction of Home owners covering the TT. I actually switched to a new agent and inquired about the TT and found that as stated above I do need the additional coverage. Imagine that, same insurance company with 2 different agents spouting to competely different things. I could have been in big trouble had something happened to the TT. I wonder why the lien holder did not contact me for the insureance information I haev had the TT for 2yrs now.
dalbert69 is offline   Reply With Quote
Old 09-19-2010, 02:54 PM   #30
Junior Member
Join Date: Sep 2010
Posts: 5
I've been trying to figure out what to do about insurance on my TT. We recently had an accident that totaled the TT. Thank God there was no damage to any one or anything else. We've been a member of TN Farm Bureau for 7 years with coverage on our home, rental house, life, autos, and TT. This was our first claim with them. It took over a month for the claim to be settled, because this was special circumstances I was told. TN Farm B doesn't have claim adjusters out of the state of TN. And this is TT, not an auto. If it had been a car or within the state of TN, it would have been settled much quicker. We bought our first TT 4 1/2 years ago and all except 2 of our outings with our TT have been out of state. I live in this TT while I work out of state twice a year. So now I'm wondering what would happen if I had an accident on the way to a job. Where would I live since these jobs employ an extra 3,000 people who have to live in motels, apartments, etc? By the time my insurance gets things settled, the job will be over. So I'm looking for an insurance company that can cover my needs and settle quickly.

I would be very thankful for any information I can get.


Whalla is offline   Reply With Quote

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

» Featured Campgrounds

Reviews provided by is not in any way associated with Forest River, Inc. or its associated RV manufacturing divisions.

Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 04:13 PM.