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Old 04-14-2013, 08:35 AM   #11
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I found that most insurance companies without a specialized camper policy used your homeowners to cover contents. A little known fact that I discovered during all this is that my homeowners (and I'd assume yours also) covers my stuff anywhere I go in the world. Stuff being the stuff I have with me. I'd be careful with any policy that doesn't cover everything you have and relies on any other policy to cover things if there is a claim it would mean two of everything! Two claims people two deductibles twice the headache! It's just too easy to use a company that does it all in one policy and for me it wasn't very expensive.

I'd check that Allstate coverage a little closer by calling the company not the agent. Agents often confuse things or coverages the company won't. In my experience homeowners coverage has never covered a vehicle or camper whether it was at home or not. I have been told and read my policy that no vehicles other than one used to "service" my property are covered for physical damage. Good luck all!
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Old 04-17-2013, 10:51 AM   #12
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Another vote for Progressive they really add a lot of benefits into their Rv policies that are specific to rvers. We had our first claim last year on our 1997 holiday from a blown tire that damaged the camper and there was no question about coverage. To even over complicate matters we had already accepted a trade in value on the Rv but according to our agent our trade value was affected by the damage which entitled us to a monetary reimbursement. He documented the damage and we were cut a check in the amount of the repairs needed to help offset the loss of trade in value. So no complaints here for progressive.
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Old 04-19-2013, 10:29 AM   #13
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Quote:
Originally Posted by Terier View Post
According to my Allstate agent my TT is covered under the homeowner policy when the trailer is not in use (parked at home or at storage). While camping my TT is covered under the RV policy. Currently I'm a little fuzzy about towing but I have Allstate for everything.

I was surprised that the homeowner coverage would come into play being that I am paying for an RV policy with a $50 deductable vs the $1,000 deductable on the homeowner policy.
I think your agent may be a little confused. I've never heard of any home policy that will cover physical damage to any rv ever. Your home policy will cover your belongings that are in the rv (usually up to 10% of homeowners policy limit) but i suggest you increase the contents coverage on the rv policy if need be. If there a situation where you need to file a claim to have rv repaired and to replace contents, you will have to pay 2 deductibles if you do not have contents coverage on the rv. 1 deductible on the rv policy for the damage, and 1 deductible on homeowners for the contents.
I see so many conflicting things that people are being told by agents concerning their rv policy. If its a towable rv, the policy will cover physical damage through comprehensive and collision coverage just like you carry on auto insurance, if you choose those coverages. There is no liability coverage on a towable rv policy. The liability comes from the vehicle that is towing the camper or your homeowners policy if it is parked. If you seasonal camp and your rv never moves it may not qualify for an rv policy any longer. You may need to look into a mobile home policy. That just depends in how each company defines a permanently parked rv.
Motorhome insurance is just like a car policy since its a motorized vehicle. It will have liability, medical, comp/collision, uninsured/underinsured motorist medical, and endorsements for contents coverage.
I am not claiming that all companies policies are exactly the same. There very well may be some specialized policy out there, but the description of the policies above are written by most common carriers in every state.
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Old 05-14-2013, 09:29 PM   #14
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Got my fifth wheel and tow vehicle insured though Good Sam. Reasonable. RCV on fifth wheel. One deductible if both in same accident.
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Old 05-14-2013, 10:10 PM   #15
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Originally Posted by tanner857 View Post
Try progressive. They will give you replacement cost, contents, liability, etc.....just like a mini homeowners policy. Cost was reasonable.

Progressive wont insure an rv that is seasonal.
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Old 05-16-2013, 09:38 PM   #16
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Here's one I'll bet you didn't know. I have both my truck and camper insured with State Farm. I also have them both financed through State Farm too at rates that were better than most. 2.5% for truck and 4.5% for camper. I pay about $250/year for camper insurance. My homeowners won't cover anything when it's off the property, if a tree fell on it at a campsite for example.
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Old 05-16-2013, 11:25 PM   #17
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Progressive wont insure an rv that is seasonal.
I think this depends. I have progressive and had it on a previous seasonal unit I had. They said as long as it still has the wheels and is not permanently hooked to utilities they will cover it. It might be different from state to state.

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Old 05-23-2013, 04:38 PM   #18
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Another Ins Co. to look into is Echelon. Rates were good for us on our new unit a month ago and they have a 10 year no depreciation option which we took advantage of.
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Old 05-23-2013, 05:10 PM   #19
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Here's one I'll bet you didn't know. I have both my truck and camper insured with State Farm. I also have them both financed through State Farm too at rates that were better than most. 2.5% for truck and 4.5% for camper. I pay about $250/year for camper insurance. My homeowners won't cover anything when it's off the property, if a tree fell on it at a campsite for example.
wait - your RV insurance is 250 year? Ours is closer to 900 a year, checked with three different companies. is that some kind of super discount because you have had State Farm since Carter was president?
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Old 05-23-2013, 05:47 PM   #20
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Seems like 200-400 per year is typical. 900 seems a bit steep. Maybe you have really high liability coverage or a very low deductible.
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