insurance question

[RollingDownTheHighway]

I'm shopping around for insurance on our camper and I'm looking to see who others are using and what's the average. What should be considered to high/low for coverage.

My TT is a '11 Revere 27BH, I have the title so there is no lien holder on it, its paid for and all mine

I've gotten two quotes so far, one from GMAC (Good Sams) and Progressive ranging form 170 to 267 for a 6 month policy.

What is the norm for ins on a TT?

Thanks for any advance you may offer

[MtnGuy]

We pay $72 per year through our car insurance carrier.......of course we have a 4 year old trailer.

[flyrotor]

The first trailer I put on my insurance actually decreased my overall bill by around $70 per six months, this was due to the multiple car/auto/rv discounts that were applied to the policy.

Since then, I have changed the policy so much i.e. newer car, new truck, new trailer, all combined have changed the premium to the point I don't know for sure what affected what, currently the policy lists the trailer at $46.00/six months.

[TURBS]

why wouldn't you just add it to your car/ home owners insurance ?
normally you would get a discount from your own insurance agent versus trying to get one policy for your rv from xyz insurance .
everything I own from snowmobiles to cars and trucks and my 5th wheel are all covered under my local homeowners policy .

[RollingDownTheHighway]

I'm looking to add it to my car insurance, according to my H.O. carrier web site they don't cover RV's, but I'm going to call my agent tomorrow

[Taranwanderer]

FWIW, I'm paying $140 a year for full coverage, ie, no 6 month on, 6 month off plan, and that was added to my car insurance. I have Erie Insurance. Interestingly, my agent said if it's a mobile camper that you're going to be towing around behind your vehicle to multiple places, it should be on your auto policy, but if it's going to be a park model that never moves, it should be on your homeowner's policy. Go figure.

[RollingDownTheHighway]

@Taranwanderer, the agents I spoke to today said pretty much the samething, as soon as I hook it up its covered on my auto policy, however, once I drop it on the camp site, its not covered, kind of interesting. I got some quotes that cover everything from personal belongings in the camper when its parked in on the camp site or my driveway, plus road side, which I also get from my auto and AAA.

[MtnGuy]

Originally Posted by bagged123

@Taranwanderer, the agents I spoke to today said pretty much the samething, as soon as I hook it up its covered on my auto policy, however, once I drop it on the camp site, its not covered, kind of interesting. I got some quotes that cover everything from personal belongings in the camper when its parked in on the camp site or my driveway, plus road side, which I also get from my auto and AAA.

That is not the way I understand my Erie policy. Being towed, the liability falls under the tow vehicle. The collision is of course while it is being towed. But if a tree falls on in at a campsite, then it is covered. Just like a vehicle....if a tree falls on it or it catches on fire sitting somewhere, it should be covered.

[Terier]

Originally Posted by mtnguy

That is not the way I understand my Erie policy. Being towed, the liability falls under the tow vehicle. The collision is of course while it is being towed. But if a tree falls on in at a campsite, then it is covered. Just like a vehicle....if a tree falls on it or it catches on fire sitting somewhere, it should be covered.

It was just easier for me to keep it with my auto insurance company (Allstate).

One thing to keep in mind is that there is a wide range of coverage and deductables to consider when price shopping.

[Taranwanderer]

Originally Posted by mtnguy

That is not the way I understand my Erie policy. Being towed, the liability falls under the tow vehicle. The collision is of course while it is being towed. But if a tree falls on in at a campsite, then it is covered. Just like a vehicle....if a tree falls on it or it catches on fire sitting somewhere, it should be covered.

In PA, anything you tow behind your (insured) vehicle is covered by that vehicle's policy, so "technically" you really don't need separate insurance. But the bank that's financing it wants to know that if a tree falls on it in your yard, it's covered. So they require an additional policy for it. Personally, I would have thought that if a tree fell on it in my yard, my homeowners should have covered it anyway, even without an addition to the policy.

[Terier]

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.

[Rebel702]

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.

[PapaSmurf]

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.

[MilCop4523]

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.

[Terier]

Originally Posted by MilCop4523

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.

[trudinator]

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.

[MilCop4523]

Originally Posted by trudinator

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?

[trudinator]

Originally Posted by MilCop4523

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.

[buffalohunter]

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 **

[GASPEDDLER]

$20 per month with State Farm. Liability is covered under my tow vehicle's policy.