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Old 09-01-2016, 09:57 PM   #31
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Location: Franklin, TN
Posts: 310
Get piec of mind with insurance! Pulled two different tts over 30k miles over the past 7 years. Never an incident, claim or even a flat tire! 6/6/16 was hit by a 18 wheeler entering I40 in NC. Accident that totaled both my tv and 2012 Flagstaff was written up as no fault by police even though independent trucker did not stop. Good Sam wrote a check for blue book of the totaled tt within a week, gave us $3000 contents of rv, overnighted the difference of check I received and the sale price of 2017 Tt to local dealer, including sales tax and title xfer. We were back on road in new TT for the July 4th weekend with only the $250 deductible. And yes a new Good SAMs rv policy. Good SAMs is more costly but they came through for us wth a new Flagstaff tt, no note as previous Tt was paid off. I am still camping with great rv and enjoying my retirement. Good luck to you in you decision.

Marriot2 on Wheels 2017 Flagstaff Classic 832 OKBS
2013 GMC Denali 6.6L 2500 HD DMAX w\Alison Trans
Pepper Pomeranian rescue 101 days as camping buddy
Days camped in FR, 2011 = 20, 2012 = 57, 2013 = 59
... 2014 = 39, 2015 = 52, 2016 = 68, 3 more planned
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Old 09-02-2016, 12:30 AM   #32
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Location: Wisconsin
Posts: 23
OK, what can happen? Anything and everything can happen. I pay through the nose for insurance even though I do not have a loan on my motorhome I can not afford the loss if there is any damage to it. I have full coverage but here in Wisconsin the law only requires you to have 25,000.$ liability, that is not enough, I have increased my liability to the required amount for my umbrella policy. I have no worries. The insurance company will fight to protect me because they could face a huge loss.

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Old 09-02-2016, 01:49 AM   #33
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Join Date: Jan 2015
Location: West Michigan
Posts: 278
Fkaske you hit the nail on the head with liability insurance. if some one is hurt or injured in or by your RV you need insurance to cover the costs for doctors and or hospitals.
I also would not like to lose 5,000 dollars for the small amount of 140. dollars.

hope this helps Tim
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Old 09-02-2016, 05:31 AM   #34
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Location: austinburg ohio
Posts: 245
Originally Posted by lugoismad View Post
I just bought a 2007 Surveyor 235RS. I paid cash.

My understanding is, if something happens WHILE its connected to my vehicle, my car insurance will take care of it. If something happens any other time, its on me.

Is it worth it to insure it, since I only paid $5k for it?
A few years ago I had a 85 olds cutlass for a work car and it was stolen , I carried full coverage on it and I paid $2200.00 and I drove it for several years. when it was stolen even with my deductible I walked away with a $1500.00 check I carried for coverage at $ 30.00 a month so at least I got something
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Old 09-02-2016, 06:19 AM   #35
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Location: NE Florida
Posts: 109
If there are any legal issues associated, the insurance will help with that. The bill for lawyers can easily exceed any value that the rv may have. If a lawyer gets involved you will be glad you have insurance to cover the legal bills. The insurance pays for defense if someone files a suit against you. In that situation the value of the rv has nothing to do with your cost. It can be an unbelievable dollar amount.
2013 Flagstaff 831FKBSS
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Old 09-02-2016, 07:53 AM   #36
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There's also another possibility, you leave your TT for a fun filled adventure and return to find that your rig has caught fire for whatever reason and damaged or destroyed your neighbors, who had his prized poodle in his TT, or worse yet his DW! Better have deep pockets for that one!
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Old 09-05-2016, 11:42 AM   #37
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Location: Surrey BC
Posts: 50
If you can't afford $10-$20 a month for insurance, you need to check your priorities.

I love those ppl that say that insurance is too expensive and lose all their belongings in a fire/flood/w.h.y., but spend $10/day on Starbucks or smokes.

2011 Nissan Xterra
2016 Rockwood MiniLite 2306 First ever RV.
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Old 09-06-2016, 08:45 AM   #38
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Location: South Dakota
Posts: 5
Well worth it

We have had 2 claims in 12 years and GEICO treated us very well on both claims. First was mice in popup; second was a branch through the roof that totaled the tt. We are WAY ahead on our costs!

Double Dutch
2013 CC Silverback
2008 2500 6.7 Diesel w/delete
84 Days 2016
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trailer, travel, travel trailer

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