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Old 02-13-2012, 04:18 PM   #1
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insurance question

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
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Old 02-13-2012, 04:39 PM   #2
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We pay $72 per year through our car insurance carrier.......of course we have a 4 year old trailer.
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Old 02-13-2012, 05:10 PM   #3
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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.
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Old 02-13-2012, 06:06 PM   #4
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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 .
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Old 02-13-2012, 06:19 PM   #5
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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
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Old 02-13-2012, 06:56 PM   #6
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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.
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Old 02-13-2012, 07:05 PM   #7
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@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.
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Old 02-13-2012, 09:25 PM   #8
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Quote:
Originally Posted by bagged123 View Post
@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.
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Old 02-13-2012, 09:58 PM   #9
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Quote:
Originally Posted by mtnguy View Post
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.
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Old 02-13-2012, 10:16 PM   #10
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Quote:
Originally Posted by mtnguy View Post
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.
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