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Old 10-27-2021, 08:54 PM   #1
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What insurance do I need.

Sorry for ignorant question, but I don't have a clue and would like some advice before talking to my agent.

Have a 22' pull-behind toy hauler.

I have it on my auto policy for liability, comp, and collision.

I'd assumed ( always a bad idea ) that my home-owners would cover it in my back yard when not travelling for theft, vandalism, etc.

But it never occurred to me who covers it and it's contents when I'm away from home 6 months of the year camping in an RV park.

Any insight much appreciated...

These thoughts came up as I was just ROBBED. All they took was the LP tanks and battery, but of course it could have been far worse.
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Old 10-27-2021, 09:03 PM   #2
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While your vehicle may cover while under way I agree get a rider for the trailer. We added one for our trailer that covers everything from the loss of the trailer (which we are going through now) and the contents. Auto policy might not cover personal stuff inside. It is also to cover us for when we are at an RV park. Just read on a FB group of a person that had their camper backed into while parked and good luck ever getting a CG o do a thing if a tree falls or whatever on the trailer. I don't think it costs us more than 150 or 200$$ a year for the rider.
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Old 10-27-2021, 09:10 PM   #3
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While your vehicle may cover while under way I agree get a rider for the trailer. We added one for our trailer that covers everything from the loss of the trailer (which we are going through now) and the contents. Auto policy might not cover personal stuff inside. It is also to cover us for when we are at an RV park. Just read on a FB group of a person that had their camper backed into while parked and good luck ever getting a CG o do a thing if a tree falls or whatever on the trailer. I don't think it costs us more than 150 or 200$$ a year for the rider.
Thanks, but ... clueless ...

So... when you say 'rider'.. who do I get that from???
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Old 10-27-2021, 09:27 PM   #4
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Your insurance agent of choice. We use State farm but any carrier can get you setup with a separate policy
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Old 10-28-2021, 09:57 AM   #5
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Best advice , if you donít take the time to read your homeowners policy to see how it may or may not be covered then you should have a conversation with your agent or insurance company.

I retired as an agent after 30 years, the company I wrote insurance with would exclude vehicles from a homeowners, trailers of all types were limited to $1000. The contents of the homeowners policy were covered anywhere worldwide.

So, now, before a loss happens is the time to get the knowledge of how itís covered or not, then address who to protect it best.
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Old 10-28-2021, 09:59 AM   #6
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Depending on how long you are 'on the road' you may need full-timers insurance. That's not just for full-time living, so be aware. Here's a decent article that will give you some guidelines to form your questions to the insurance agent:
https://www.consumersadvocate.org/rv...aved/full-time

Here's another from National General, check out the FAQ.
https://rv.nationalgeneral.com/FAQs
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Old 10-28-2021, 10:03 AM   #7
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At least in Ohio the TV policy only covers the trailer for liability on the road. You need a separate policy to cover the trailer for damage. I never asked about contents but at least for me that is a small number vs a trailer loss.
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Old 10-28-2021, 11:21 AM   #8
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We have Allstate, it's a rider on our auto policy. It covered a total new roof replacement ($14K) when we got slammed by high wind shear while at our seasonal campground. About 200 punctures through the roof from small branches and twigs that pierced the roof like a barrage of arrows. Three 2-3 inch diameter branches pierced both the roof and through the interior ceiling in the kitchen and living area, and one through the slide out topper and roof.
Paid the $250.00 deductible and all is good. That was 3 years ago.
Oh -- and our rate did not increase.
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Old 10-28-2021, 01:32 PM   #9
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Here is what I carry on my Geico policy for our 2020 Riverstone 39 RKFB:

Comprehensive Total Loss Replacement Cost$500 Ded.
Collision Total Loss Replacement Cost$2,500 Ded.
Emergency Road Service
RV Medical$3,000
Emergency Expense$3,000
Replacement Cost Personal Effects$30,000

This cost me approximately $800.00 a year based in Texas. Every state's rates will vary as well as other determining factors. Good luck.

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Old 10-28-2021, 03:41 PM   #10
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as i understand it your auto policy will cover liability for the tow vehicle and trailer WHILE THE TRAILER IS ATTACHED TO THE TOW VEHICLE.

your homeowners policy will cover liability while the trailer is disconnected.

what is not covered is damage to or theft of the trailer by either policy. that is what a separate trailer policy covers.
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Old 10-28-2021, 04:33 PM   #11
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What insurance do I need

Give these guys a call. They represent many different insurance companies.
American Adventure Insurance, 888-930-3680,
https://americanadventureinsurance.com/
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Old 10-29-2021, 03:51 PM   #12
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Washington State - State Farm insurance

I full-time, so adequate coverage was high on my list of necessities. I have 2 policies, both with State Farm (I mention this because my best friendís policies are with separate companies and I think this would be a claim denial nightmare!)

Policy #1: this is essentially an auto policy, but my ďautoĒ has no motor. It provides coverage all the time, for whatever type of damage would normally be covered. It insures my 2002 at the original cost - if my trailer was totaled today, the policy would pay out roughly $24,000. (I wish it WAS totaled - this thing has been a nightmare for every one of the 180+\- days Iíve owned it!)

Policy #2: this is a renterís policy. A homeownerís policy covers contents AND structure, which of course wonít work. A renterís policy covers contents only. In the event of a total loss, this policy pays out at the amount determined by my agent and I at the time of policy purchase and can be adjusted whenever appropriate. I think itís something like $51,000 (electronics and instruments add up quickly!)

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Old 10-29-2021, 04:08 PM   #13
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Quote:
What insurance do I need.
For a trailer you don't need any additional insurance other than your automobile and homeowners/renters. Motor homes need liability -- but these are automobile policies.

-- Chuck
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Old 10-29-2021, 06:55 PM   #14
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Not required, but an trailer policy is still needed IMO. Run off the road and total your trailer, no coverage. You are in a campground and a tree falls and totals your trailer, no coverage. Same if your trailer is stolen from a campground or storage unit. No coverage. I will gladly pay a few hundred bucks a year for RV comp and collision coverage.
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Old 10-29-2021, 07:49 PM   #15
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I found out from our first camper that auto riders do not cover when it is not connected to the tow vehicle. We were parked at Maryland state park. Major wind storm came through at midnight and multiple trees came down and lots of trailers got damaged. Took them the whole next day to clear the road. The wind took down my awning. Insurance asked me if my camper was attached to tow vehicle. I said now it was set up in park. Insurance said not covered. Learned my lesson.


Get your own separate trailer/RV insurance policy. I have coverage on my RV no matter where it is, connected not connected. I have a replacement clause for the RV, which will pay for new camper same model within five years of purchase. Not real expensive. Mine is through national general insurance. Good luck.
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Old 10-29-2021, 11:23 PM   #16
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Iím new, so if there is a way to edit posts (as opposed to adding this new post), I apologize.

The policy on my Ďburban only covered my trailer while the two were attached - as in, while traveling. Like many others have mentioned, there was no coverage while parked. Also, this is my home - there is no homeowners policy that might cover it at ANY time. Add to that the fact that my campgrounds (Thousand Trails) REQUIRE proof of insurance coverage for entry AND the fact that, should something happen, I was/am not in a position to just trot down to the dealership and pick up a new one, and you arrive at a place where insurance - type, coverage, etc - moves to a whole new level on the ladder of priorities!

And, in the interest of thoroughÖ the 2 policies I currently carry cost me, annually, about $6-700. Thatís $75,000 worth or peace of mind for a darn good price, if you ask me.
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Old 10-30-2021, 06:46 AM   #17
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What you need (type and level of coverage) depends on your circumstances, your desire and your jurisdiction. An internet forum is not a good place to get advice on insurance. Talk to your insurance advisor.
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Old 10-30-2021, 07:56 AM   #18
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One thing to consider as well is a gap coverage or a policy that pays the entire value out of what is owed.

The post above made me think of this as we are going through this now. When you buy these things they give you 10 or 15 years to pay it off.. so you could be very far in the whole for something you don't even own in a worse case situation.

Luckily weve always worked to pay off quickly so we will be fine in our circumstances combined with the on fire to increase the value in our 4 year old camper to almost what we paid for it. But if we only made minimum payments and the market was not on fire, a total loss would have been devastating to you. The typical policy just pays out fair market value and maybe taxes and title fees depending on states requirements.
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Old 10-30-2021, 08:20 AM   #19
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Most times you donít know how crappy your insurance and insurance company are till you have to file a claim. Thatís when you find out.
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Old 10-30-2021, 02:16 PM   #20
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Quote:
Originally Posted by rmac04401 View Post
Most times you donít know how crappy your insurance and insurance company are till you have to file a claim. Thatís when you find out.
Absolutely true.

I have to say olin our case state farm has been good. The third party they now use as adjusters (they rid themselves if their own some time ago) are terrible.
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