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Old 03-11-2015, 03:53 PM   #51
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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.

Vin.
I think you should call your insurance carrier. I believe you will be disappointed to discover that the two vehicles are treated as one unit for liability but not collision or comprehensive (IF YOU OWN THE TRAILER and it is not separately insured on your policy).

Won't take but a minute to be sure. Let us know what they say and who it is.
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Old 03-11-2015, 04:58 PM   #52
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I had to ask a lot of questions, some more than once, to determine what I needed. My TT is covered under my RV, auto & home owner polices. I suggest asking lots of questions to verify your understanding. What is covered and what is not. Also inquire about which policy would come into play if.....?

*If a fire in your RV spreads to another RV at the campground or storage place are you covered? Is there a difference between being hitched up or not?

*Could both the auto & RV policies ever come into play? It's a long shot but deductibles might need to be taken into cosideration.

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Old 03-11-2015, 05:03 PM   #53
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Your trailer's liability insurance would cover damage caused by the fire to another's RV and damage to a campground storage building "up to your liability limits." Once damage exceeds that, then it will fall on you; just like any other accident for which you are found liable.

Having 50,000 in liability insurance seems like a lot until you realize that RV next door is worth 500,000. Oops; there goes the house!
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Old 03-11-2015, 07:28 PM   #54
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That's why they have umbrella insurance. A million bucks for a couple hundred a year.
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Old 03-11-2015, 07:28 PM   #55
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Originally Posted by Herk7769 View Post
Your trailer's liability insurance would cover damage caused by the fire to another's RV and damage to a campground storage building "up to your liability limits." Once damage exceeds that, then it will fall on you; just like any other accident for which you are found liable.

Having 50,000 in liability insurance seems like a lot until you realize that RV next door is worth 500,000. Oops; there goes the house!


The cost in going from going from $50,000 to $500,000 on your liability limits is surprisingly low. For most that would get you to the minimum limits to add it to your umbrella policy for very little money.

When asking a vanilla independent insurance sales person specific RV policy questions try to get the responses in writing. Probably a line of coverage they don't deal with every day. These policies are actually not that hard to read. Don't stop after reading the "what is covered" section, as sometimes certain perils are later removed under "exclusions"... or exclusions that are added back under "endorsements" which is then final.
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Old 03-13-2015, 10:40 AM   #56
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Update! We checked into good sams insurance...almost 600.00 a year for our 23IKSS??!! Seems quite high, we'll be checking around today. Progressive is about half that, same coverage. AAA is in between both, and that's where we have our autos insured. What a pricing game insurance is!
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Old 03-13-2015, 10:55 AM   #57
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I checked my policy and I do have a separate comp and collision policy on my stand alone camper. It is listed as a separate vehicle on my auto policy. I have coverage for bodily injury to others, comp, and collision.
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Old 03-13-2015, 11:21 AM   #58
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Insurance

In Indiana, last time I checked, my agent said the trailer was covered under the TV when hooked up, and under homeowner's when unhooked. But I assume the agency should know that the camper is in your possession.
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Old 03-13-2015, 11:42 AM   #59
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Ask these two questions to your agent:
If a tree falls on my trailer while camping does my homeowners cover the damage to the trailer?
If I have a blowout and run off the road and the camper flips does my TV coverage cover the damage to the trailer?

The answer will be no to both.


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Old 03-13-2015, 12:03 PM   #60
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Your right!, And I'm glad I checked in with my agent on this: Any TT damage is covered with my TT insurance - hooked or not. If the camper damages the TV (in your blowout example) in the process, the TV damage is covered by the auto insurance.
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