Insurance Question

[e_dog4]

Wanted to get a cpl quotes on insurance for our 2012 Wildwood 36bhbs that we just bought and have never had to deal with insurance on travel trailers before.

Called Progressive and was told that they would not insure the camper as we are having it delivered to our site by the RV company and are setting up permanent on a site. They said they will not insure perm campers??? This confused me as you would think there would be far less risk on their end if we are never pulling the camper.

Called GoodSam and got a rate of $229/12mo in MN.

[Herk7769]

If it is permanently anchored it is no longer a camper and you need homeowners insurance for it.

This can also be problematic as it is not your primary residence and is vacant most of the year.

Ran into this when we tried to sell my SiL's mobile home in Alaska in December. With Wheels and Tongue off; it was a house. With Wheels and Tongue on; it was not considered anchored and therefore a camper.

[e_dog4]

Wheels and tongue stay on but we are just parking it in one spot with a nicely finished patio for the forseeable future.

[Bearcat55]

I'm an insurance agent in Ohio, and the way we handle it is if the camper is going to be on a permanent site for 12 months of the year, then it needs to be written on a mobile home policy. The traditional camper policy only applies to campers that are being towed to various places throughout the year. The idea of being "anchored" would only add to the fact that it is a permanent site and require a mobile home policy.

[pwrboatfan]

Try Foremost Insurance. That is who I have for insurance. All I did was give the address where the camp ground Is located and they based the rate on that. I have a Salem Park Trailer now that sits on a seasonal spot in Central Missouri at Pomme De Terre lake. We do have to move the travel trailer from December to March due to Corp of Engineers rules but the rest of the year it sits on my spot. In January, my old camper was stolen while it was parked in the campground storage area. Foremost took really good care of me. When I first bought my old camper in 2006 I had this same problem. Progressive would not insure me. One thing to note to, if you are just putting leveling jacks down and a tongue jack down that is not permanent. They are talking about permanently securing like the above post mentioned basically turning it into a mobile home. I was a Farmers Agent in 2002 when Farmers had recently purchased them. They specialize in campers, boats, and motorcycles. I had heard of cases where insureds had lied and told the insurance company that they were towing the campers back and forth each weekend and had a loss while the trailers were left at spots and the claims were being denied. Bottom line, make sure you tell them it will be left at a seasonal site.

Sorry for the long post, I hope this helps.

[dlzeller]

I am an agent from Michigan and yes Foremost has a great program for Campers that are on a permanent site. You can call a local Independent Agent in your town and they can fix you right up with a policy that will cover the camper and also your premise liability.

[pwrboatfan]

One thing to mention to...we only had $1000.00 with actual cash value on contents coverage on the old camper and let me be the first to tell you that did not even come close to replacing out stuff (bedding, towels, kitchen utensils, TV's, tools, etc). We have spent almost $3000.00 dollars replacing stuff and and are not done. My new camper has $4000.00 contents at full replacement cost. When I originally got the policy, we did not have much and I thought $1000.00 would be enough, and I am embarrassed to say that I am still work in insurance, and never revisited the policy to change the limits. Kind of like the plumber that never fixes the leaky pipe !

[jmswms]

Hmmmmmmmmm-We just got a permanent site but travel to different places several times throughout the summer. In a year or 2 we plan on spending the winters where it's warm and summers at r"permanent site". What would this be considered?

[Bearcat55]

As long as its not parked for 12 consecutive months, it would be best to cover it on a camper policy. And to add to what pwrboatfan said, make sure you have enough personal effects coverage as well. Most agents don't tell you how much is included (usually $500-$1000) and that you can increase the amount.

[Herk7769]

Originally Posted by Bearcat55

As long as its not parked for 12 consecutive months, it would be best to cover it on a camper policy. And to add to what pwrboatfan said, make sure you have enough personal effects coverage as well. Most agents don't tell you how much is included (usually $500-$1000) and that you can increase the amount.

Totally what I was going to post. I think you might have boned yourself by saying it was on a permanent site. It is not if it can be moved easily (relatively speaking). Up on blocks with no axles or tires is a permanent site.

[pwrboatfan]

Originally Posted by herk7769

Totally what I was going to post. I think you might have boned yourself by saying it was on a permanent site. It is not if it can be moved easily (relatively speaking). Up on blocks with no axles or tires is a permanent site.

Yup I second this one....Always use the word seasonal...that means if can and might/will be moved at some point in the year. Come to think of it, my neighbor at the lake and I had this conversation a while back, and he got Progressive to insure his, he told them that it will be on a seasonal spot through summer months, and will be moved during the winter, which is true since we have to move them per the Corp. He has a 28 footer, and does plan to take his family camping in Colorado once a year, so that may be way they insured it. Mine is 42'...I do not plan on taking it out of the campground until the next owners takes her away!

[jmswms]

I just have insurance on the camper-never mentioned that I was on a seasonal site. Just worried that I wasn't covered.

[18CrewDually]

If it has tires, a tongue, lights, and is registered for the road then it's a trailer. I applied online for Progressive and they never asked about being towed or not. I think you gave them TMI.