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02-17-2013, 11:09 AM
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#1
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Senior Member
Join Date: Feb 2013
Posts: 175
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Travel Trailer insurance
Hello fellow members. We are from north Florida and just purchased our first travel trailer. We are picking it up next Thursday. We purchased a 2013 Salem Cruise Lite 221 RXBL and can't wait to use it. I do have question about where to purchase the most reasonable insurance. Have a great day, Sherry & Frank
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02-17-2013, 11:20 AM
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#2
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Member
Join Date: Jan 2013
Posts: 37
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I use state farm. I have my house and auto with them. $90 for 1yr 1k deductible.
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2014 Silverado Crew Cab 1500 5.3ltr
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02-17-2013, 11:39 AM
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#3
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Senior Member
Join Date: Feb 2011
Location: Regina, Sask.
Posts: 126
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Welcome to the forum!
Enjoy your new trailer. There is lots of knowledge info on here.
I'm from Canada so can't answer your question.
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Ken & Janet
'07.5 GMC 2500 D/A CC/SB
'09 SABRE 31RETS-6
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02-17-2013, 11:48 AM
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#4
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Moderator Emeritus
Join Date: Aug 2010
Location: Southeast Wisconsin
Posts: 6,949
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Hi Sherry and Frank. Welcome!
We've always bundled our trailer insurance in with our auto & home. We get a bit of a discount, but its more for convenience.
Some others will separate their insurance presumably for a cost savings. Either way is fine, but you might as well start with a quote from wherever you have your home and auto and then get quotes from other places if you want to compare.
We also have a separate coverage for towing and things like that with AAA RV Plus but Good Sam's and others also offer these services.
__________________
Scott
DW, 3 Kids and our Goldens
2012 Shamrock 233S
2008 Toyota Sequoia 5.7L 4WD
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02-17-2013, 11:57 AM
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#5
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Senior Member
Join Date: Nov 2012
Location: Big Spring, TX
Posts: 198
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Our insurance is with Progressive. We have our auto there thus the discount. We do have smaller deductibles, which increase the cost. I also have Good Sam road side.
Enjoy the new camper.
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02-17-2013, 11:59 AM
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#6
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Member
Join Date: Oct 2011
Posts: 66
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I have replacement cost ,full coverage,State Farm $250 deductable....$290.00 yearly ...coverage at the campground when your not hitched is where it gets confusing...someone trips over your ice chest ,hits one head on your awning...etc. I made sure I was covered ..you never know..
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02-17-2013, 12:38 PM
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#7
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Senior Member
Join Date: Feb 2012
Posts: 825
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I have state farm, but any insurance company you will probably pay +/-$90 annually per $10,000 of replacement value of your trailer, not the actually cost you paid.
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2012 Cedar Creek Silverback 29RE
2011 GMC 2500HD Diesel
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02-17-2013, 12:52 PM
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#8
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Moderator Emeritus
Join Date: Mar 2008
Location: St. Paul, Minnesota
Posts: 3,365
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Quote:
Originally Posted by Rhino1
I use state farm. I have my house and auto with them. $90 for 1yr 1k deductible.
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X2
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2021 F350 Lariat 7.3 4X4 w 4.30s, 2018 Wildcat 29RLX
2012 BMW G650GS, Demco Premiere Slider
1969 John Deere 1020, 1940 Ford 9N, 1948 Ford 8N
Jonsered 535, Can of WD-40, Duct Tape
Red Green coffee mugs
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02-17-2013, 01:10 PM
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#9
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Member
Join Date: Jan 2010
Location: South Jersey
Posts: 42
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Quote:
Originally Posted by acadianbob
X2
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Do you mind if I ask what type coverage you get for this premium? We have a separate TT policy through America Modern Ins. Co., $500 deductible, includes cost replacement, collision, towing, emergency expense, etc., for apr. $255 yearly. Just trying to figure out why the large price differences. Thanks!
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2010 Rockwood 2607
2016 Chevrolet Silverado 2500 double-cab
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02-17-2013, 01:53 PM
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#10
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Senior Member
Join Date: Apr 2012
Posts: 368
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X2 on progressive.
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02-17-2013, 02:01 PM
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#11
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Senior Member
Join Date: Feb 2012
Posts: 825
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kaz1 the difference will be the value of your trailer and/or the deductible amout
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2012 Cedar Creek Silverback 29RE
2011 GMC 2500HD Diesel
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02-19-2013, 09:53 AM
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#12
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Senior Member
Join Date: Feb 2013
Posts: 175
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Got my Insurance
Today I called AARP Hartford Insurance for the insurance for my 2013 Salem Cruise Lite 221RXBL. I already have my vehicles with them. I almost fell over when they said $47.00. But they went on to explain that it was $47.00 a year! Wow I am pleased!!!!!!!!
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02-19-2013, 10:28 AM
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#13
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Senior Member
Join Date: Jan 2012
Location: Independence, Kansas
Posts: 755
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I have two houses, seven vehicles, boats, a tractor and other odds and ends through Farm Burea but they could not match Progressive on my SxS and TT. I may consider them for all my needs.
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02-19-2013, 10:43 AM
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#14
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Senior Member
Join Date: Dec 2011
Posts: 548
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Shop around!
When we bought an (SOB (HH)) 07 5th wheel our insurance was MUCH lower than a friends 5 yr old entry level 5er.
ab&jb
__________________
2012 Georgetown 360
SHE wanted "a new motorhome"
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02-21-2013, 11:24 AM
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#15
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Senior Member
Join Date: Apr 2011
Location: Splendora, Texas
Posts: 1,314
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I would also get a quote from Good Sam (GMAC) and learn about RV insurance, replace cost etc., it is different then auto policys. Good Luck
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02-21-2013, 12:46 PM
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#16
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Camper Less Camping
Join Date: Apr 2012
Location: NW
Posts: 3,642
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Quote:
Originally Posted by Flying dutchman
X2 on progressive.
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X3...we have roadside asst, replacement cost, 1K deductible...great policy.
Beware of "lumping" RV coverage with auto/homeowner policy as a Rider...more detailed coverage with an RV policy.
Congrats on your camper from fellow RV'ers just North of you in GA!
__________________
2013 Sabre 32RCTS-6 (sold)
Family of 4 whose always on the GEAUX!
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02-21-2013, 01:39 PM
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#17
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Senior Member
Join Date: Sep 2009
Location: Lexington, NC
Posts: 2,621
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Someone mentioned AAA RV-Plus, which I also have, but it reminded me of another thing to be aware of. If you get roadside assistance, from AAA or Good Sam or whoever, be sure that your plan includes a provision for towing both vehicles if necessary. If your tow vehicle needs to be towed, you don't want to leave the trailer sitting there on the side of the road to be hit or broken into.
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2018 Coachmen Apex 249 RBS
2010 Silverado LT 5.3 V8
The world is a great book, of which those who never stir from home
read only a page. - St. Augustine
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02-21-2013, 01:40 PM
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#18
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Senior Member
Join Date: Jan 2012
Location: Mount Juliet, TN
Posts: 242
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I have all our insurance with Farm Bureau, but I think they are a little high on the 5er and the SxS. Will look for alternatives before renewal time... never hurts to keep them honest.
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2011 Ram Truck 2500, Crew Cab, 6.7L CTD, 4X4, 3.73 Rear
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02-21-2013, 02:42 PM
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#19
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Senior Member
Join Date: Sep 2011
Posts: 253
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Farm Bureau here. $80 a year with my homeowners policy and a $250 deductible.
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02-21-2013, 04:04 PM
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#20
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Senior Member
Join Date: Apr 2011
Location: Splendora, Texas
Posts: 1,314
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I use Farm Bureau for my two tractors only, on them I could not find anything near their price.
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