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Old 02-13-2012, 11:03 PM   #11
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There could be other factors to consider or to be verified with any company you are with in regards to what will be covered under which policy. For example let's say your unit got fire while at a campground and spread to another camper would you have coverage for the other damaged camper? You might or might not depending on your policy or policies. Again might make a difference if your unit was hitched up or not. This stuff can give me a big headache.

With my Allstate polices my trailer is covered while in storage, traveling, at a campground, backing into something, auto accident or trailer accident, etc... It will fall under my policy for homeowner, auto or RV.

All I know is that this stuff gave me a headache in trying to figure out what was best for me.
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Old 02-14-2012, 12:29 AM   #12
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Do a search on the forum for "insurance" and you will find several good threads. I went with Blue Sky Insurance based on a search and comparison to my Hartford/AARP quote. Hartford really did not offer the coverages specific to a travel trailer that I was looking for. Blue SKy specializes in RV coverage and I felt it was a good value. Especially ask about awning coverage since this represents the bulk of claims according to the insurance companies. Good luck.
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Old 02-14-2012, 06:23 AM   #13
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I agree, truck covers the liability when towing, but nothing else. Camper has it's own policy for comprehensive and collision, that way you get your complete protection package on the camper without getting double dipped on liability.
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Old 02-14-2012, 08:00 AM   #14
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Wow like gas prices you guys in the USA are getting a sweet deal.

Our 2012 Salem 27RKSS gets hauled by our 2011 F150. The only way the insurance company we use for home and multiple auto/motorcycle coverage would cover the TT was to add it onto our home owner policy. $470 a year.

PS we pay $5.90 to $6.00 a gallon for gas.
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Old 02-14-2012, 09:06 AM   #15
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Quote:
Originally Posted by MilCop4523 View Post
Wow like gas prices you guys in the USA are getting a sweet deal.

Our 2012 Salem 27RKSS gets hauled by our 2011 F150. The only way the insurance company we use for home and multiple auto/motorcycle coverage would cover the TT was to add it onto our home owner policy. $470 a year.

PS we pay $5.90 to $6.00 a gallon for gas.
I'm paying $44.55 per month for my 2011 Salem Cruise Lite 20RBXL. 12 payment per year = $535. Of couse deductables can play a role in the pricing as well. I have low deductables ($50 comprehensive & zero collision) - same as my auto.

The awning is a good point - II need to verify that.
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Old 02-14-2012, 09:27 AM   #16
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We pay $26 a month for our coverage through Safeco. We have $250 deductible, diminishing deductible, emergency assistance coverage (roadside, transportation costs & temp living expenses), and full replacement cost coverage. Safeco will cover you even if you don't have another policy through them. Some other companies will not do this. We got a quote from Good Sam and from Progressive, who insures our autos, but they were much higher for the same coverage.
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Old 02-14-2012, 12:26 PM   #17
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Safeco will cover you even if you don't have another policy through them. Some other companies will not do this. We got a quote from Good Sam and from Progressive, who insures our autos, but they were much higher for the same coverage.
Do you have a link for Safeco?
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Old 02-14-2012, 01:35 PM   #18
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Quote:
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Do you have a link for Safeco?
Recreational Vehicle Insurance and RV Insurance Coverage | Safeco Insurance
But you'll have to go through an independent agent; they don't sell direct. I actually researched the various companies and then sent the Safeco name to our agent.
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Old 02-21-2012, 10:08 PM   #19
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I am shopping for TT and TV insurance now. Ameriprise was covering my 27' Terry but now that I have a Windjammer 3008W, they say the trailer is too long and won't cover it and since they won't cover that they are canceling my '07 Tundra insurance.

WHAT!!!

I have never heard of that before. So, now I don't want to tow my new TT until I can get insurance.

Thanks a lot Ameriprise! (NOT)

I thought they were good until they pulled that one on me.

** venting just a bit **
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Old 02-21-2012, 10:17 PM   #20
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$20 per month with State Farm. Liability is covered under my tow vehicle's policy.
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