Reply
 
Thread Tools Display Modes
Old 12-03-2015, 04:32 PM   #1
Senior Member
 
Join Date: Jun 2014
Posts: 141
Insurance Question

So we just picked up our new camper [2016 Salem Hemisphere 27BH] last week. I am wondering what you guys are doing for insurance as far as coverages.

I had my old camper through the same insurance as home/auto - Indiana Farm Bureau. I paid $55 a year for the 2005 Roo.

I had him update it to the new camper with the new totals that was paid on the camper and it raised the rates to $190 per year.

Code:
* D Other Than Collision = Actual Cash Value Less $250 Deductible Each Accident
Code:
* Collision = Actual Cash Value Less $250 Deductible Each Accident
Maximum Limited Liability for price we paid on the camper.

I guess I haven't shopped around, but feel this is good. Those are the two coverage's that I have currently.

Is that coverage standard for campers? Am I missing something else that should be included? We are not full timers. Just weekend getaways and maybe a week long trip once a year.
__________________

__________________

-- 2017 Ford F150 FX4/Lariat
-- 3.5L EcoBoost w/ 10 Speed & Max Tow
-- 2016 Salem Hemisphere Lite 27BH
Shanks12 is offline   Reply With Quote
Old 12-03-2015, 04:37 PM   #2
Who Dares, Wins
 
doc73's Avatar
 
Join Date: May 2012
Location: Chester County, PA
Posts: 4,825
My parents have Farmers and are happy. We had Nationwide until they started to raise the rates way up for no reason. Our agent said most do not want to deal with an RV since there are a pain to cover(??). We now have Good Sam's. We have not needed it but it was much cheaper. Things to keep in mind, this is new so it is worth more. My guess much more than the 2005 Roo.
__________________

__________________

Pat, Jen & Heather... Oh yeah and our trained attack trailer cat, Cinnamon-EOW 11/22/2017
2015 ChevyHD D-Max
2018 Artic Wolf 315tbh8
doc73 is online now   Reply With Quote
Old 12-03-2015, 05:00 PM   #3
Senior Member
 
Join Date: Jun 2014
Posts: 141
Quote:
Originally Posted by doc73 View Post
My parents have Farmers and are happy. We had Nationwide until they started to raise the rates way up for no reason. Our agent said most do not want to deal with an RV since there are a pain to cover(??). We now have Good Sam's. We have not needed it but it was much cheaper. Things to keep in mind, this is new so it is worth more. My guess much more than the 2005 Roo.
Yeah, I knew the price was going up. And I'm okay with that. More just asking about the coverage, not necessarily the rate.
__________________

-- 2017 Ford F150 FX4/Lariat
-- 3.5L EcoBoost w/ 10 Speed & Max Tow
-- 2016 Salem Hemisphere Lite 27BH
Shanks12 is offline   Reply With Quote
Old 12-03-2015, 05:02 PM   #4
Left Coast
 
Join Date: Dec 2014
Location: vancouver,washington
Posts: 15,649
Send a message via Yahoo to bob caldwell
We have found that 'bundling' with State Farm has worked good for us....joined up with 'em when I stepped off the 'Mayflower'.
__________________
bob caldwell is offline   Reply With Quote
Old 12-03-2015, 05:04 PM   #5
Who Dares, Wins
 
doc73's Avatar
 
Join Date: May 2012
Location: Chester County, PA
Posts: 4,825
Quote:
Originally Posted by Shanks12 View Post
Yeah, I knew the price was going up. And I'm okay with that. More just asking about the coverage, not necessarily the rate.
Ok, misunderstood, sorry. My trailer is insured by the vehicle towing it while being pulled. I have full coverage fro when it is parked at the CG or homebase. I have full replacement for 3 or 4 years then prorated after that.
__________________

Pat, Jen & Heather... Oh yeah and our trained attack trailer cat, Cinnamon-EOW 11/22/2017
2015 ChevyHD D-Max
2018 Artic Wolf 315tbh8
doc73 is online now   Reply With Quote
Old 12-03-2015, 05:15 PM   #6
Senior Member
 
Join Date: Jul 2012
Location: Orange Texas
Posts: 608
Send a message via MSN to Tiggerdad
Most vehicle insurance companies will only cover our rig for Liability while hooked up. Collision and comprehensive require a separate policy. When I research for policies I look for replacement value. If you don't have replacement value you are on the hook for payments if it is not paid off. Actual cash value will only pay for the value of the camper at the time it is totaled.

I would not insurance my camper under the terms that you show.
__________________

2013 Crusader 330 MKS
2013 Chevrolet Silverado LT 2500 D/A
Tiggerdad is offline   Reply With Quote
Old 12-03-2015, 09:38 PM   #7
fx2
Senior Member
 
Join Date: Mar 2014
Posts: 418
The one item I'd look into changing is the Actual Cash Value coverage. Have them look at Replacement Value. Trailers depreciate at an incredible rate.
__________________
2014 Surveyor SC321BHTS
2016 Nissan Titan XD SL4x4 Cummins
fx2 is offline   Reply With Quote
Old 12-03-2015, 09:48 PM   #8
Senior Member
 
Join Date: Oct 2015
Posts: 2,270
Quote:
Originally Posted by fx2 View Post
The one item I'd look into changing is the Actual Cash Value coverage. Have them look at Replacement Value. Trailers depreciate at an incredible rate.
Good advice. ^^^^^^^^^

With some, such as Progressive, you can enter the replacement value yourself for actual replacement cost. Use the MSRP and not what you paid for it.
__________________
Mr Havercamp is offline   Reply With Quote
Old 12-03-2015, 10:18 PM   #9
Oklahoma Proud
 
MillerTime's Avatar
 
Join Date: Jul 2012
Location: central OK
Posts: 2,775
Quote:
Originally Posted by Shanks12 View Post
So we just picked up our new camper [2016 Salem Hemisphere 27BH] last week. I am wondering what you guys are doing for insurance as far as coverages.

I had my old camper through the same insurance as home/auto - Indiana Farm Bureau. I paid $55 a year for the 2005 Roo.

I had him update it to the new camper with the new totals that was paid on the camper and it raised the rates to $190 per year.

Code:
* D Other Than Collision = Actual Cash Value Less $250 Deductible Each Accident
Code:
* Collision = Actual Cash Value Less $250 Deductible Each Accident
Maximum Limited Liability for price we paid on the camper.

I guess I haven't shopped around, but feel this is good. Those are the two coverage's that I have currently.

Is that coverage standard for campers? Am I missing something else that should be included? We are not full timers. Just weekend getaways and maybe a week long trip once a year.
Alright. I have Oklahoma farm bureau insurance and have for years. I work in the collision industry and we have to work with insurance and coverages every day. Plus my agent is a good friend and has had to help me insure several businesses and dozens of vehicles as im always dealing with vehicles. Plus I've specifically asked about and read all my coverages.

We have our 2015 Sabre 36qbok insured with them on our vehicle policy. We carry a $1,000 deductible and our rate is $147 every 6 months for collision and comprehensive insurance. (This covers the camper for any damage, wrecks, acts of God, fire, flood etc.) For about $40 or 50 more i could have dropped my deductible to $500. But since im in the industry, i can easily absorb the $1,000 deductible.
Like mentioned, your liability is covered by your vehicle. Like If your tail swing hits a car, your covered.

For anything other than those kind of losses, ....say someone falls of your steps of your camper, or trips over your dog at a campsite, your homeowners insurance (if you have homeowners insurance with liability coverages) will cover that.

If there is something else i didn't cover, just ask.
__________________
MillerTime is offline   Reply With Quote
Old 12-03-2015, 10:24 PM   #10
Oklahoma Proud
 
MillerTime's Avatar
 
Join Date: Jul 2012
Location: central OK
Posts: 2,775
Oh and we did have one camper totaled back in 2013 when the tornado went thru moore, ok. We sustained hail damage on it and it was only 10 months old. Farm bureau (actually they subbed it to another company to handle for them, since there were so many claims) worked with us very well. I was pleased with them and dont see any reason to ever switch.
They are one of the top tier insurance company's to work with in my opinion. They really take care of their customers. And not just with me but the claims from them that we get at work. I HIGHLY recommend Farm Bureau!
__________________

__________________
MillerTime is offline   Reply With Quote
Reply

Tags
insurance

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



» Virginia Campgrounds

Reviews provided by




ForestRiverForums.com is not in any way associated with Forest River, Inc. or its associated RV manufacturing divisions.


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 11:52 AM.