Originally Posted by Terier
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.