Reply
 
Thread Tools Display Modes
Old 09-19-2013, 06:10 PM   #21
Senior Member
 
chiefly1's Avatar
 
Join Date: Sep 2011
Location: Yuba City, CA
Posts: 146
We were at a CA state park when a dead branch fell on a friends 5er and was told to read the fine print... They were not liable. You need to get a separate policy for your rig and you will sleep better at night. Every state is different and so is the coverage from each company so there is no getting around reading what is covered in your policies.
__________________

__________________
chiefly1 is offline   Reply With Quote
Old 09-19-2013, 07:18 PM   #22
O&G Paid Rig
 
Join Date: Jun 2013
Location: On the road
Posts: 9
There are policies out there that are just like a homeowners policy. Most home policies will not extend liability e.g. someone falls and hurts themselves in your trailer. Also, contents are only covered to a certain amount. Ours covers the trailer at full replacement of MSRP with no depreciation in the event of a total loss. I have the coverage through my Farmers agent. Here is a link: Travel Trailer Insurance | Farmers Insurance

Our annual premium is roughly $900. We are full timers.

It also covers us for living displacement, road side, and some other neat things that the simple add-on riders to auto policies do not.
__________________

__________________
jbcz3 is offline   Reply With Quote
Old 09-20-2013, 12:17 AM   #23
Oklahoma Proud
 
MillerTime's Avatar
 
Join Date: Jul 2012
Location: central OK
Posts: 2,775
Op.
Homeowners ins. Will cover your home, usually a outbuilding up to about 5k, contents, cost if replacement housing. This will include small things in contents up to like a normal lawn mower, some $5-10k mower will not, 4wheel, golf cart, tractor, side by side, expensive or rare collections are not. Also your trailer is not. These all need seperate policies- I have had or do have all these on seperate policies
-Your contents of your trailer are covered by homeowners insurance, and liability ( such as trip and falls ) are covered by homeowners, unless in your trailer policy.
- your vehicle liability insurance covers you if you cause damage to persons or property with your tv or trailer- ie. Back the trailer into someones car, tailswing takes out a lamp post or gate house.
- unless you have a seperate policy on your trailer you have no coverage for comp. Type claims (wind, hail, fire, theft, deer, acts of God) or any damage you inflict or even if someone with out ins. Hits your trailer. Uninsured motorist will not cover anything except medical.
- this is all subject to your policies and riders all ready in place, BUT if your asking then these most likely are NOT in place.

Ps. We had our 5er on our auto policy and paid $137 every 6 months. Month 10, last may our, less than a year since we ordered it, trailer, was hit by hail while at the dealership getting warranty work done. It was deemed a total loss and we actually got a little more than we paid for it. Money well spent in my opinion. ( dealership or other peoples property ins. Also wont cover your trailer when on it.
__________________
MillerTime is offline   Reply With Quote
Old 09-20-2013, 12:27 AM   #24
Senior Member
 
schrederman's Avatar
 
Join Date: Apr 2012
Location: Weatherford, TX
Posts: 977
I believe the reason you have to have insurance is that it is financed. The finance company requires you to protect their interest in the event of a crash, windstorm, etc.
__________________
J & D in Lovely Weatherford, TX
2016 Jayco White Hawk 28DSBH TT
2014 Ram 2500 Crew Cab 4X4 6.7L Cummins
schrederman is offline   Reply With Quote
Old 09-20-2013, 08:57 AM   #25
O&G Paid Rig
 
Join Date: Jun 2013
Location: On the road
Posts: 9
Another Thought

Tying your TT to any other policy you have will raise that premium should a loss occur. Just something to think about. Having your homeowners go up or, God forbid, get cancelled is a bad deal. Likewise if your car or homeowners goes up so does your trailer's. Keep them separate and insulated from each other.
__________________
jbcz3 is offline   Reply With Quote
Old 09-20-2013, 09:03 AM   #26
Senior Member
 
Join Date: Nov 2012
Location: X
Posts: 2,781
Quote:
Originally Posted by jbcz3 View Post
Tying your TT to any other policy you have will raise that premium should a loss occur. Just something to think about. Having your homeowners go up or, God forbid, get cancelled is a bad deal. Likewise if your car or homeowners goes up so does your trailer's. Keep them separate and insulated from each other.
My experience is that this doesn't "insulate" them at all. If you have any claims in the last 3 years, go to some company website and do an online quote. Don't tell them about those claims and once you get further along in the process, you will find that they know about them anyway. There is an insurance information clearing house.
__________________
BarryD0706 is offline   Reply With Quote
Old 09-20-2013, 09:45 AM   #27
"On the road again"
 
rjshiflet's Avatar
 
Join Date: Feb 2012
Location: Parker County Texas
Posts: 683
Send a message via AIM to rjshiflet
I don't have a loan on our year-and-a-half Columbus 320RS, but I certainly have insurance on it. Like all the examples before - there are so many things that could go wrong or damage it whether it be en route, in the driveway or at a campground. I don't want to have to wonder if it's covered or not.
__________________

Robert & Estha Shiflet
'17 Cardinal 3456RL - '17 Ford F350 Lariat Ultimate - DRW w/B&W OEM Companion hitch
Nights Camping 2012 & 2013 & 2014 & 2015 & 2016: 587 ~ Nights Camping 2017: 125
rjshiflet is offline   Reply With Quote
Old 09-22-2013, 10:36 PM   #28
Senior Member
 
Taranwanderer's Avatar
 
Join Date: Oct 2011
Location: NEPA
Posts: 1,446
Thanks for all the replies. I do currently have the TT insured as another vehicle on my auto policy, so it is covered. I was just thinking ahead to when I pay the loan off, if I would keep the current coverage, lower it, or drop it altogether. Think I'll keep it, it is pretty cheap as an auto add-on. Thanks again to all.
__________________
2015 XLR Hyperlite 30HFS5 (mods being performed regularly)
2009 Salem LA 292fkds (gone)
Nights- ('12)23 ('13)23 ('14)15 ('15)31 ('16)27 ('17) 20
2016 Ford Fusion Titanium (gulping gas again, camping support vehicle)
2014 Harley Davidson FLHX (XLR cargo)
2011 Ram 2500 CC 4X4 CTD, B&W Companion (toy hauler hauler)
Taranwanderer is offline   Reply With Quote
Old 10-10-2013, 06:50 PM   #29
Member
 
Join Date: Oct 2010
Posts: 50
We have our 5th wheel insured, so we had an accident, our 5th wheel was damaged, now our insurance co has figured out what they will pay for the repairs, now the problem finding someone who can do the repairs, no one will come out and look at it, we have to drag it to dealers and leave it for days while they look at it make phone calls to find the parts etc. What a pain, has anyone had this sort of problem?
__________________
hihosilver09 is offline   Reply With Quote
Old 10-10-2013, 07:36 PM   #30
Senior Member
 
Join Date: Nov 2012
Location: X
Posts: 2,781
Quote:
Originally Posted by hihosilver09 View Post
We have our 5th wheel insured, so we had an accident, our 5th wheel was damaged, now our insurance co has figured out what they will pay for the repairs, now the problem finding someone who can do the repairs, no one will come out and look at it, we have to drag it to dealers and leave it for days while they look at it make phone calls to find the parts etc. What a pain, has anyone had this sort of problem?
I don't know how extensive the damages are, but you should consider a mobile RV tech. They're available in some areas and much easier to deal with than dealers in my experience.
__________________

__________________
BarryD0706 is offline   Reply With Quote
Reply

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 08:12 AM.