Insurance Questions

[Jane1550]

Hi,
We're new to the RV thing and just ordered a Wolf Pup 17RP so here goes;

Do we need separate insurance for the camper (we're paying ca$h) or let truck policy cover it? How about when it's parked at home?

Local dealers were unwilling to budge from price or were just rude so we bought from a dealer 300 miles away, is an aftermarket warranty necessary? Will nearby dealers still service the unit?

Should have done more research but...oh well.

Time for a glass of wine

[tjm]

Your vehicle policy will likely only cover liability while towing the trailer.

As far as Warranty, I don't know for sure, but I'm under the impression that the dealer you buy from is the only one required to do warranty work.


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[Tennesseetroy]

You can just add to auto policy,usually cheapest way to go. And warranty can be done by anybody as long as they work on your specific brand of camper. I have a mobile guy that comes to me. But a lot of them don't want to wait for there money and fill out warranty paperwork.

[whj77372]

Adding to an auto policy works if you don't want replacement coverage. You paid cash but many finance and if it is totaled they will pay ACV and that could be a lot less then what you owe. Someone recently told that some auto policies will do replacement cost.
Good Luck

[Rstrahan]

Get in touch with Nationwide. They have an affiliated company that does RV insurance.

[BooBoo23]

I get the insurance for my TT from State Farm where I have my auto insurance. The TT is covered by the tow vehicles insurance as long as it is hooked up to the hitch. I have separate insurance for when it is parked, at home or campground. For some reason I am on a monthly premium for a little under $23/month. Cost will probably vary with the value of the RV. Maybe some people cancel the insurance during the winter so they don't pay the premium then. I cover it for the year anyway. Since you are getting a new TT you should have 1 year warranty for the T and 1 year roadside service from Coach Net included with the RV. Also, you should be aware of a 2nd year warranty for the TT and the appliances, water heater, ref, furnace, AC, etc. that you can purchase from Forest River for $150. Many dealers don't mention it when you pick it up but you should have paper work with your RV that has a form included. If not you can download the 2nd year warranty form here on the forum. You may want to download the form here anyway so you will know what is included with the 2nd year warranty. If you want the 2nd year warranty you need to sign up for it as early as you can. Forest River used to want the form (and $150) sent to them within 10 days of delivery but they have lightened up on that so do it within the first 1 or 2 months after you get your RV. It does not include roadside service after the 1st year so you can get that from Coach Net or Good Sam for the second year forward.

[Terier]

I'm with Allstate and if something happens to my TT it's covered under the RV policy, auto policy or homeowner policy. Due to various reasons the price of coverage can vary from one person to another. Sometimes we might not be comparing apples to apples.


It's somewhat common for service departments to give their customers priority over an unit brought elsewhere. Keep in mind that RV industry is nothing like the auto industry.


You can find many discussions on warranties & insurance by using the search option towards the top of the page.

[Jane1550]

Good info, Thanks folks!

[bikendan]

You don't have to have only a dealer, that only sells your brand, do the warranty work.
we bought our HTT from a dealer 2000 miles away.
FR found us local dealers that would do the warranty work and none of them sold our brand.
One didn't even sell any FR products.

[whj469]

There is cofussion on the second year warranty from Forest River. It cover everything that the first year does. Your appliances are covered by their manufacturer.