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Old 03-09-2015, 07:54 PM   #31
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Totally worth the cost. I paid for insurance on our pop up for 14 years until a tree fell on it. The insurance money helped buy my Roo 23ikss.


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Old 03-10-2015, 10:16 AM   #32
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In OK, our tow vehicle liability covers trailer, but ONLY liability.
You definitely need to have a Comprehensive and/or Collision policy covering the trailer.
Only while connected (I.E. traveling); not liability in the campground unless it is on your auto policy as a separate vehicle.

And "You betcha" on the rest!
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Old 03-10-2015, 11:48 AM   #33
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Thankfully we had insurance on our trailer last year when a storm kicked up and the wind flipped our awning up onto our roof. I was literally on my deck getting ready to roll it up when it happened.

The insurance covered the cost of replacing the awning, replacing the heating element in the water heater and one of our slide out seals. The guy that did the repairs even patched up a bad spot on our roof.
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Old 03-10-2015, 04:12 PM   #34
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WOW!!! I insure my current trailer with Progressive for $443 a year. Having seen the rates you guy's are paying I need to do some serious shopping. I'm about to order a new trailer that cost substantially more and that's going to make the insurance a lot higher.
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Old 03-10-2015, 04:18 PM   #35
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WOW!!! I insure my current trailer with Progressive for $443 a year. Having seen the rates you guy's are paying I need to do some serious shopping. I'm about to order a new trailer that cost substantially more and that's going to make the insurance a lot higher.

Remember that all posts might not be comparing apples to apples.
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Old 03-10-2015, 05:54 PM   #36
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Remember that all posts might not be comparing apples to apples.
My experience with insurance has been for $60 a year they will insure your lug nuts with $1000 deductible.
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Old 03-10-2015, 06:12 PM   #37
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In a word, YES!

The insurance is incredibly inexpensive, and if you have ever needed to use it you'd appreciate the fact that it is! Being that I live in NJ, my insurance on ANYTHING is more expensive than the vast majority of other states. However, it's only $269/year for $100 deductible including a couple of riders to cover the value of the add-ons and off-premise storage.
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Old 03-10-2015, 11:12 PM   #38
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I am paying $40/month to insure my 23IKSS with a $500/comp and $500/collision. Insurance agent says it's based on replacement cost. How do I get them to reduce the rates other than raising my deductible? Only saved me a few dollars for $1,000 deductible.
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Old 03-10-2015, 11:18 PM   #39
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I am paying $40/month to insure my 23IKSS with a $500/comp and $500/collision. Insurance agent says it's based on replacement cost. How do I get them to reduce the rates other than raising my deductible? Only saved me a few dollars for $1,000 deductible.
Really depends on insurance company and their underwriters, and if you have multiple policies. Some just aren't great with RV insurance, just like some are bad with motorcycle and other types of coverages. Shop around because sometimes your regional market is to blame too. It can also be that insurance company's recent claim history. Around here, the storms of the last five years upped my rates because of the claim spike.
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Old 03-10-2015, 11:27 PM   #40
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Just to add (even though I only read a few posts on this thread). If you look at my started threads, you can find the pictures of our accident this December. 40'less then two year old fifth wheel on its side after a loss of victim from black ice. I've paid around $600 in premiums, and the $1000 deductible. Insurance paid off my note and I have several thousand left to put down on our new one. Without that coverage, I'd be up a creek (realize I couldn't go without insurance since I have a loan)
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