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Old 09-19-2013, 09:13 AM   #11
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I thought the same thing when we got our TT. At times it would be covered by the truck insurance, and others by the home insurance. When my wife (who went in to get the TT added to the truck insurance) asked the agent about the car and house insurance, she was told, that while connected to the truck and driving it is covered. When asked about house insurance covering it, the agent more or less said that it wouldn't be covered.

Either way, it was only $200.00 for full coverage. Plus that covers if someone gets hurt while in or coming out of the TT at a site.

I think it is worth it.
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Old 09-19-2013, 09:31 AM   #12
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I probably need to check into a separate camper policy. Our CC will be built next week so I pulsed my State Farm agent on a policy price. Surprised to find out that the policy will be the same amount as the ’04 diesel pusher we just sold…..silly me, thinking that an insurance company is going to lose $$$.... When asked why the coverage for a CC at 25% less value than the motorhome warranted the same policy premium, the line I got was: “we see more losses on towable RVs in general due to driver inexperience and poorer quality construction, therefore; the premiums are higher”. What a racket!!
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Old 09-19-2013, 04:09 PM   #13
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From what I have read, it is much better to have an RV policy and not just add your RV to your auto policy. RV insurance can insure replacement cost and an auto policy will only pay ACV which in most cases is much less. I know a person who added an expensive high end fiver to an auto policy. The fiver was financed and when it got totaled, the auto policy paid ACV and that left thousands of dollars that he had to pay the finance company. Good Luck
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Old 09-19-2013, 04:36 PM   #14
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The best way to go is add the TT to your auto policies, another thing people miss is to check your TV towing policy several insurance companies do not cover towing the TT so be sure and cover this base also.
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Old 09-19-2013, 04:41 PM   #15
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Originally Posted by greysailor View Post
I probably need to check into a separate camper policy. Our CC will be built next week so I pulsed my State Farm agent on a policy price. Surprised to find out that the policy will be the same amount as the ’04 diesel pusher we just sold…..silly me, thinking that an insurance company is going to lose $$$.... When asked why the coverage for a CC at 25% less value than the motorhome warranted the same policy premium, the line I got was: “we see more losses on towable RVs in general due to driver inexperience and poorer quality construction, therefore; the premiums are higher”. What a racket!!
As low as TT insurance is 2 to 3 hundred a year, you must have been getting the MH coverage really cheap or you should be insurance shopping.
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Old 09-19-2013, 04:42 PM   #16
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RV insurance is one thing that the more I check into it the more confused I become. The key is to find out as much as possible as there can be some surprises. Not all polices are equal nor are they the same. I do have a policy for my TT with the same company as my auto & homeowner policies until I figure what is best for me.
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Old 09-19-2013, 05:17 PM   #17
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Don't rely on what other people say or think. Read your auto policy and confirm coverage. Although the travel trailer is an extension of the tow vehicle you still may need to add it to the policy for an additional premium. A TT is additional exposure to an insurance company. They're not going to insure it for free.
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Old 09-19-2013, 05:23 PM   #18
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Your automobile insurance will cover the liability ,if for some reason your tt would get disconnected and crash into something. Just like on an automobile policy you need physical damage insurance. Collision and Comprehensive. Collision is for when you are towing sand there is an accident with another vehicle or you hit something with the tt. Comprehensive is if a tree limb falls on it, fire, wind & theft,(basically any other damage to the tt that is not caused by a collision). Some poilcies will just list it as physical damage. If you have comprehensive and collision you may have different deductables similar to automobile insurance.
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Old 09-19-2013, 05:41 PM   #19
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A tree fell on my camper at an Indiana State Park and the told me to go scratch! Don't count on the campground.
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Old 09-19-2013, 05:54 PM   #20
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The best way to go is add the TT to your auto policies, another thing people miss is to check your TV towing policy several insurance companies do not cover towing the TT so be sure and cover this base also.
This is very true! Many policies specifically exclude trailers and require you to get an additional policy for the towed item.

Regarding campgrounds covering damage . . . I'm pretty sure when you sign the paper at the park it relieves them of all liability.

You need to call your agent.
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