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Old 07-21-2011, 01:42 PM   #1
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Tow Vehicle and Camper with different insurers?

We have our Camper with Nationwide and our truck with State Farm. Bringing them under the same company is 300-400$ more per year...which is significant IMO. I just can't justify the cost difference to bring it all under one company.

Does anyone else have their camper and TV under separate policies? I'm assuming we're just doing a similar scenario as if we had gone with Good Sam\GMAC or Blue Sky for the RV alone.

How bad is the claims process if we were to have an accident while towing?
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Old 07-21-2011, 01:43 PM   #2
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We have our TV with Progressive and our TT with Safeco. We've never filed an insurance claim in 20 years of marriage, so I can't help you with any claims issues. I don't see why it would be a problem, however, since each company would pay for the damage on each. At least in a "perfect world."
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Old 07-21-2011, 01:47 PM   #3
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TT is with Progressive and TV is with Allstate. Never filed a claim. I get a discount with TV because I don't use it daily. It's only for Ranch/Farm Use and when towing trailer so I get a discount
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Old 07-21-2011, 01:58 PM   #4
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I have my car & RV with the same company Allstate. My towing is complicated. I use my sister's Yukon to tow with and she is presently with Allstate too. I am covered under her policy when I am towing because the policy follows the vehicle, not the driver.

We are very unhappy with Allstate so will be checking into other companies for coverage for RV, autos, and home owner. This thread will check jump the search so I am looking forward to reading the replies.
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Old 07-21-2011, 02:03 PM   #5
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May I ask why you are unhappy with allstate. They never seemed to give me a good price with the TT. It was almost 10.00 more a month than with Progressive.
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Old 07-21-2011, 03:44 PM   #6
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My tt policy is on the high side too. My cost is $267 per year with a $50 deductable on collision, $0 on comprehensive, and $5k for content coverage. (Actual cash value)

I checked with AAA but they won't insure the TT since I don't have auto coverage with them.


Not RV related but connected to Allstate:
After 63+ years of being with Allstate dad was notified that his home owners policy is not being renewed due to having a third claim. Allstate has paid about $5 or 6k total. If dad is willing to raise his deductable from the current $100 to $2,500 they will offer him coverage.

His earth quake policy is somehow connected to Allstate which is not being renewed either (can't have EQ without HO). Going from $100 to $2,500 deductable is a giant jump! At 79 dad is on a limited fixed income.
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Old 07-21-2011, 03:58 PM   #7
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Most home owners insurance companies will drop you after 3 claims. Once you are black listed it is hard to find another company that will cover you.
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Old 07-21-2011, 04:05 PM   #8
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My sister is flying off the handle and thinks dad should drop Allstate and get another company. My thought is to keep the coverage and search for better choices.

On another note: I am waiting for a return call from my Allstate office to inquire more about my RV coverage and choices. Just need to make sure what I have is what I need.
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Old 07-21-2011, 04:35 PM   #9
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If I remember right, my State Farm agent told me that while the TT is hooked to my truck (while towing), it is covered under that policy. Somebody correct me if I am wrong.
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Old 07-21-2011, 06:04 PM   #10
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Quote:
Originally Posted by Titleguy View Post
If I remember right, my State Farm agent told me that while the TT is hooked to my truck (while towing), it is covered under that policy. Somebody correct me if I am wrong.
Very true, I'm with State Farm also, Home Truck and Travel Trailer, but you can also get the "rider" for Fire, Theft, Hell and any other damage that a home can get.Not a bad package for the whole thing, we're full timer's so we need to protect ourselfs for it all.
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