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Old 04-03-2013, 04:20 PM   #1
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type of insurance

less than 3 wks until we take delivery of our new sierra 366fl and trying to get everything in order. we need input on insurance for the 5th wheel. it will be dropped on a seasonal site and probably not move from there until the kids put us in a "home", hopefully a long time from now. we will not have a vehicle to move it, so some insurance companies don't want to insure. we want coverage for exterior damage (tree falling on roof), interior damage (water/fire) and liability (slip and fall, etc). thoughts and comments appreciated
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Old 04-04-2013, 10:50 PM   #2
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i just insured a 27' toyhauler i'm taking delivery of soon through liberty mutual.. i have auto insurance with them but they never asked if i had a tow vehicle or not. $73 yr for $250 deductable and $100 for $100 deductable. They won't insure any personal contents, they say that is "homeowners".. They are getting back to me about the built in generator but they are pretty sure that is NOT covered, again.. need to claim on my homeowners.
I'm sure others with actual experience will post too.
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Old 04-05-2013, 09:41 AM   #3
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liberty mutual got back today.. the permanent type generator IS covered
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Old 04-05-2013, 12:05 PM   #4
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If you have a loan on the RV, I would be sure that you have replacement cost on the RV. There are a number of RV owners who added their RV to an auto policy, the RV was involved in an accident and declared a total loss and the insurance company only paid ACV which was a good bit less then what they owed on the RV.
If you insure with a company who has RV insurance you can get replacement cost for the first five years. I insure with Good Sam (GMAC) but it is about $200 per year.
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Old 04-05-2013, 01:38 PM   #5
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Try progressive. They will give you replacement cost, contents, liability, etc.....just like a mini homeowners policy. Cost was reasonable.
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Old 04-11-2013, 05:07 PM   #6
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Leave progressive ALONE. I had two claims. They paid NOTHING. They spent more time finding a reason not to pay.
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Old 04-14-2013, 01:54 AM   #7
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I have Progressive never had a problem with claims so far. I like the coverage options they have, it seems like they sell a policy for RVs unlike just going with your homeowners to cover everything. You can get contents coverage, liability coverage and of course physical damage to the RV.

The only thing I don't like about a company saying coverage is provided under your homeowners would be that you would have to pay 2 deductibles that way, 1 on the trailer policy then 1 on the homeowners policy also I'd be careful of that situation.

Be curious to know more about why others had their claims denied. I suspect it would be related to not buying coverage for the situation that was being claimed?
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Old 04-14-2013, 02:44 AM   #8
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Quote:
Originally Posted by lriel View Post
I have Progressive never had a problem with claims so far. I like the coverage options they have, it seems like they sell a policy for RVs unlike just going with your homeowners to cover everything. You can get contents coverage, liability coverage and of course physical damage to the RV.

The only thing I don't like about a company saying coverage is provided under your homeowners would be that you would have to pay 2 deductibles that way, 1 on the trailer policy then 1 on the homeowners policy also I'd be careful of that situation.

Be curious to know more about why others had their claims denied. I suspect it would be related to not buying coverage for the situation that was being claimed?
Why would two deductable be paid under one claim? Wouldn't coverage fall under one policy or the other but not both?
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Old 04-14-2013, 02:55 AM   #9
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Say a tree falls on the camper, the damage from the tree would be covered by the policy you bought for damage to the camper. If you own a policy where the company says the contents, liability etc. are covered by your homeowners you would then file a claim for the damaged contents under your homeowners. If you are like me I have a $100 deductible on the camper and $1000 deductible on my homeowners, so the Insurance company says you pay $100 on the actual damage to the camper and then because you want to claim damage to the contents that are covered under homeowners you will pay $1000 deductible for that claim. Another example would be you have camper coverage with ABC Insurance and homeowners with DEF Insurance both will want their deductible...

Trust me the Insurance company will treat this as two different claims because you are using two different policies. I could be wrong but I bet if you ask the company they will tell you the same thing. That was something I asked about specifically when the agent tried to get me to cover my camper that way. I went with the policy from Progressive because it covered everything under one policy. For the cost to cover my camper somewhere around 240 a year I wasn't going to take the chance of paying the homeowners deductible and the camper deductible if a claim ever came up.
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Old 04-14-2013, 03:19 AM   #10
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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.
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