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Old 02-21-2012, 10:25 PM   #21
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Not a big fan of insurance companies but need the services. Can't win for losing....

The company name really doesn't matter because sooner or later most they end up acting like other insurance companies.
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Old 02-22-2012, 09:57 AM   #22
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Just got off the phone with my Liberty Mutual Agent after reading this thread and asked her a few questions.

1. Comp and Collission cost $91.00 per year and covers everything with a $250.00 deductable while attached to truck or at a temp campground.

2. Homeowner covers TT while at a Seasonal Campground as long as it is removed from site during off season month. No extra cost.

This covers all Storm, Hail, Tornado, Wind, Valdilism, Water, Tree etc...

3. If stored at a secure storage facility homeowners covers TT. No extra cost.

4. If stored at home TT is cover under homeowners policy. No extra cost.

5. They will not cover TT if left at camp site all year!!!!!!!!

This is what the agent said and she is sending me this in writing as well.

I hope this is correct info.
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Old 02-22-2012, 10:25 AM   #23
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Quote:
Originally Posted by Buffalohunter View Post
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 **
Safeco never asked what vehicle we are using to tow our TT.
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Old 02-22-2012, 10:30 AM   #24
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Originally Posted by PapaSmurf View Post
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.
Exactly. Truck insurance would cover liability (damage done BY the TT) but not damage TO the TT. Your TT insurance would cover collision and comprehensive.
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Old 02-22-2012, 12:20 PM   #25
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We had to get separate liability coverage for the trailer since I tow it with one of the trucks registered to my company and the are classed as commercial vehicles and don't extend liability coverage to the trailer.I then also got insurance that covers it at the campground or wherever for pretty much anything.All total 336.00 a year.
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Old 02-22-2012, 01:10 PM   #26
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GlockfanJohn, the Liberty Mutual person you spoke to is correct. I am an agent for a different company here in Cincinnati and our policy covers RV/travel trailers in the same fashion.
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Old 02-22-2012, 07:29 PM   #27
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GlockfanJohn, the Liberty Mutual person you spoke to is correct. I am an agent for a different company here in Cincinnati and our policy covers RV/travel trailers in the same fashion.
I don't understand why anyone would want to buy an extra insurance policy that you don't need. I get total coverage for literally $91 a year. I guess to each their own and if it makes them feel all warm a fuzzy then that's ok. Personally I would rather spend that money on gas and take the family on a nice trip.
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Old 02-23-2012, 12:40 PM   #28
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Each state has it's own set of insurance regulations so, that may be the difference in who covers what and where. We have Allstate (almost 20 years) and have 4 vehicles covered (2 cars, TV and TT). The TT adds $187.62/6 mo. which includes $500 (diminishing) deductable Collision, $100 Comp which includes $10,000 contents coverage.
I think the reason I need additional coverage is because 1) we live in a condominium complex where I don't own the property, only the living unit (it won't fit in my driveway anyway) 2) we have to store it when not in use and 3) when at a CG and NOT connected to the TV it's not covered by the auto policy.

As mentioned earlier, this also just gives me a BIG headache.
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Old 02-23-2012, 04:53 PM   #29
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Quote:
Originally Posted by rracer5 View Post
Each state has it's own set of insurance regulations so, that may be the difference in who covers what and where. We have Allstate (almost 20 years) and have 4 vehicles covered (2 cars, TV and TT). The TT adds $187.62/6 mo. which includes $500 (diminishing) deductable Collision, $100 Comp which includes $10,000 contents coverage.
I think the reason I need additional coverage is because 1) we live in a condominium complex where I don't own the property, only the living unit (it won't fit in my driveway anyway) 2) we have to store it when not in use and 3) when at a CG and NOT connected to the TV it's not covered by the auto policy.

As mentioned earlier, this also just gives me a BIG headache.
After calling my Allstate agent yesterday my headache just got bigger too.

Dad and I live at the same place but have our own policies. Dad's HO is linked to my auto policy. Allstate just raised dad's deductable from $100 to $2,500 after filing a 3rd claim on the house since 1962 (all 3 claims combined = ~6K).

Turns out that if my coverage falls under the HO policy instead of the TT policy I will need to meet my dad's $2,500 deductable. If this is true why am I paying for zero/$50 deductable and $5k coverage for personal stuff on my TT & auto policies? Also was told that theft is not covered at all (personal stuff) but I have $5k in coverage.

I'm back to thinking that using a different company might not be so bad after all.

BTW - my agent is suppose to be putting together a list of what is covered and what is not covered and which policy.... and she said she would put it in simple english terms not using insurance company language.
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Old 02-23-2012, 06:22 PM   #30
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That sucks.The three legal thieves; Tax man,Bankers and Insurance companies.
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