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Old 03-10-2015, 11:30 PM   #41
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I had several small tree limbs fall through the roof of our old trailer and it was covered. Cost is definitely worth it. Talk to your Insurance person they will lead you in the right direction.
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Old 03-11-2015, 09:04 AM   #42
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Ok, I've read all these posts and now I still don't know what to do. I have a policy that apparently covers the trailer while it is on my truck. My question is, what do I need if it is parked? I'm not a homeowner. I live with my daughter in her home. I'm worried if someone would get hurt or a tree limb etc would go through my new camper. Please help!
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Old 03-11-2015, 09:41 AM   #43
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Originally Posted by syogerst View Post
Ok, I've read all these posts and now I still don't know what to do. I have a policy that apparently covers the trailer while it is on my truck. My question is, what do I need if it is parked? I'm not a homeowner. I live with my daughter in her home. I'm worried if someone would get hurt or a tree limb etc would go through my new camper. Please help!
While on your truck; your trailer is only covered for liability; not collision or comprehensive unless you have added the trailer to your auto policy with those coverages.

Your truck's liability will cover a rented or borrowed trailer for damage; just not one that you own or "use regularly."

Here is what our insurance company had to say about me towing an uninsured trailer:

"Your USAA auto policy covers a trailer and includes liability and medical coverage while your vehicle is towing it. If you own a trailer and want to add physical damage coverage (comprehensive and collision), you'll need to add the trailer to your auto policy.

For rented or borrowed trailers, your policy also covers a trailer and includes liability and medical coverage while your vehicle is towing it. Physical damage is extended to a non-owned vehicle (trailer is included) as long as the vehicle is not furnished or available for regular use when you have Comprehensive and Collision coverage for an insured auto. You would of course need permission to use the trailer."


As to injuries while camping, check her renter's insurance to see if she would be covered; then if she is, you could add her as an owner to the camper's title. There IS of course a downside to this as she would then own 1/2 of your camper and the lienholder (if any) might be required to agree to a title change (which might effect the interest rate on the loan if her credit is not as good as yours).
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Old 03-11-2015, 10:00 AM   #44
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So what your saying, i need to buy a renters policy? There is no loan on the trailer. I have a trailer policy and a truck policy with Badger Mutual. Thanks for the feedback
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Old 03-11-2015, 10:05 AM   #45
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So what your saying, i need to buy a renters policy? There is no loan on the trailer. I have a trailer policy and a truck policy with Badger Mutual. Thanks for the feedback
Check your "trailer policy" regards liability coverage while camped and collision/comprehensive while traveling and camped.

If your policy has the above elements, you don't need the renters insurance bit.

NOW, you DO realize your daughter's renters insurance does not cover YOU; right? If there was a fire in the apartment, her stuff would be covered, but yours would not.
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Old 03-11-2015, 10:32 AM   #46
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UPDATE:

"If you back into a tree while you are hooked up to your TV, you are covered PROVIDED (for example) you have collision on your truck's policy AND the policy limit amount is sufficient to cover BOTH vehicles (IF both vehicles are involved)."

NOT TRUE After talking to our insurance guy (SHOULD have checked prior to posting):

If you are the owner of the trailer, they will not pay AT ALL to repair the camper.

If you BORROWED the trailer, THEIR insurance will pay for the trailer's repair (their insurance will recover from your truck's liability).

If THEY do not have insurance on the trailer you borrowed, your truck's liability will pay THEM to repair the damage YOU caused.
I am sorry but this cannot be true. The concept here is that once the trailer is hooked up to the TV it becomes one unit. The insurance on the TV covers the attached trailer. It then stands to reason that any damage done to the "unit" would be covered by insurance (collision in this case).

You do raise an interesting point though. I wonder if anyone here has gone through this before and can shed some real life experiences.

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Old 03-11-2015, 10:33 AM   #47
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So what your saying, i need to buy a renters policy? There is no loan on the trailer. I have a trailer policy and a truck policy with Badger Mutual. Thanks for the feedback
Herk has really tried hard to explain this every which way he can without actually knowing exactly what these two policies you have covers specifically. What he is trying to say, I think, and I agree a hundred percent is, "You Need Specific RV Coverage!!!" and you may have just that already. I would suggest as much as this has been beat around that you simply pick up the phone, call your insurance agent and tell them what you are wanting to make sure you are covered for. Explain to them, you want to know what happens when towing, when not towing, when hooked up, when not hooked up, etc... if the RV gets damaged and if you are protecting not just yourself from liability but also your property so it can be replaced if necessary or repaired to the same condition it was in before damage at least.

Again, in my opinion you need specific RV coverage for Liability, Comprehensive and Collision. Too big an investment to not have it. Call your insurance company.
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Old 03-11-2015, 10:34 AM   #48
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Thank you for all this help. My daughter owns her home. We didn't know that my things aren't covered. I think that I needed to make a call to my agent today.
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Old 03-11-2015, 11:16 AM   #49
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Much of the difference in premium for what appears to be like coverage is for jurisdictional theft and comprehensive coverage.
Relying on your TV coverage is slippery slope. Most people can tell you what their bodily injury limits are but how many can tell you what their uninsured or underinsured limits are. Property damage? Some may have even declined some of those coverage’s all together, in states that permit that.
If at fault, do you have enough coverage for a multi-vehicle payout? Some policies are aggregate policy limits and when paid, you are on the hook as for the remaining damages to third-party's for bodily injury and property damage.
What about the other guy? The Industry rule of thumb: 1/3 of the other drivers have no insurance, 1/3 are underinsured and 1/3 are properly insured.

IMO buy the RV policy, protect your other assets and retirement.
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Old 03-11-2015, 03:49 PM   #50
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Thank you for all this help. My daughter owns her home. We didn't know that my things aren't covered. I think that I needed to make a call to my agent today.
Sorry, I was under the impression that she was renting and you were living with her in her appartment. If so, her renter's insurance may cover your stuff if there is a loss. SHE would have to call.

*IF* you are paying HER rent to stay at her house; then you may very well need a separate renters policy since her homeowners insurance may not cover you as a "paying customer."
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