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Old 05-17-2019, 02:44 PM   #1
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Travel trailer insurance claims

I am researching what people's experiences have been with an insurance claim on a travel trailer. I want to choose an insurance company that people have had a positive experience with when they actually had a claim. I am not a believer of "the cheapest insurance is the best". If I have insurance for years and years I don't really know how the insurance company is until I have a claim. Personally, we have Farm Bureau for our vehicles and they have been EXCELLENT if you have a claim. However they do not carry travel trailer insurance. I am talking about coverage that would include full replacement value of paid price (not NADA), medical payments, personal contents, emergency allowance, liability, personal injury protection, collision, uninsured motorist, and comprehensive. Has anyone out there had a claim on their travel trailer and what were your experiences both good and bad? Any help on this subject is most appreciated.
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Old 05-17-2019, 02:48 PM   #2
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I have Farmers insurance, they attached it to my truck insurance. I just had a blow out in July which caused $4500 in damage which they covered. Only issue is They didn't cover the tire itself because I was unsure if I hit something on the road or not. (They'll buy a new one if you do.)
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Old 05-17-2019, 03:05 PM   #3
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Thanks for the information. I talked to an agent there today but he said it was actually Foremost Star insurance. Is that who you have? Does it cover the actual trailer when it is parked or only when traveling?
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Old 05-17-2019, 03:28 PM   #4
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I have SAFECO on our Vibe 268RKS. I have only had it less than three years and have used it once. We were in hail storm. Made online claim about 30 minutes after the storm. They were great to work with. We were headed home next day and they had someone at our house day after we arrived. Sent a check within 10 days or so and I had it out of shop in less than 30 days. Dealer also found other damage and received second check.
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Old 05-17-2019, 04:57 PM   #5
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I haven't heard of them. Thank you for replying. I will check them out.
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Old 05-17-2019, 05:12 PM   #6
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My rate is well under 500 per year
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Old 05-17-2019, 05:20 PM   #7
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foremost is Farmers insurance company for things like rv's, boats, motorcycles, etc. at one tine we had the autos with farmers and the trailer with foremost using the same agent.
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Old 05-17-2019, 05:27 PM   #8
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Ahhhhh. Ok. Same parent company.
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Old 05-17-2019, 05:43 PM   #9
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We have National General which is part of Nationwide ( I think ) they offered insurance on my truck but wanted the 5th wheel as well to prove the truck was only used to pull the camper. Did some damage to the camper with a low hanging tree limb, they handled everything, no deductible, paid in full and just got my new bill in with NO increase.
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Old 05-17-2019, 06:16 PM   #10
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We have State Farm. They have treated us well with all our claims. They came to us and wrote check right then. Paid for everything with no hassle. Current coverage is stated value which means they will pay the value of the trailer as purchased (no depreciation or book values)
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Old 05-17-2019, 06:17 PM   #11
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That's awesome. I will look at them also. Thanks!
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Old 05-17-2019, 06:19 PM   #12
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We have State Farm. They have treated us well with all our claims. They came to us and wrote check right then. Paid for everything with no hassle. Current coverage is stated value which means they will pay the value of the trailer as purchased (no depreciation or book values)
Cool! I will check them also. Are they local agents or just online?
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Old 05-17-2019, 06:38 PM   #13
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Unfortunately, after a few months of ownership I had to put in a claim with Progressive. Initially I spoke with a regional rep, who transferred our claim to a local rep which took care of the entire claim process. It was a seamless process and worked with the dealer. Of course, when my 1-year was up, Progressive dramatically increased my rates and I wound up going through a broker and Nationwide. No claims since, but I would stand by Progressive to handle a claim.

Safe and happy travels.
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Old 05-17-2019, 10:18 PM   #14
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Cool! I will check them also. Are they local agents or just online?

I use my local agent, more personal
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Old 05-17-2019, 10:38 PM   #15
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Originally Posted by Twobees View Post
I am researching what people's experiences have been with an insurance claim on a travel trailer. I want to choose an insurance company that people have had a positive experience with when they actually had a claim. I am not a believer of "the cheapest insurance is the best". If I have insurance for years and years I don't really know how the insurance company is until I have a claim. Personally, we have Farm Bureau for our vehicles and they have been EXCELLENT if you have a claim. However they do not carry travel trailer insurance. I am talking about coverage that would include full replacement value of paid price (not NADA), medical payments, personal contents, emergency allowance, liability, personal injury protection, collision, uninsured motorist, and comprehensive. Has anyone out there had a claim on their travel trailer and what were your experiences both good and bad? Any help on this subject is most appreciated.
I am with Farm Bureau and my agent told me I have coverage just like my other vehicles do. So I have the collision, and liability and personal property, ect. Doesnt matter if a tree falls on it, gets stolen or broken into I am covered. Just met with my agent a few days ago to go over my policies.
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Old 05-18-2019, 12:05 AM   #16
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Never had a claim on a TT but every other time I had a claim USAA was awesome. If you are eligible, USAA is an awesome insurance company.
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Old 05-18-2019, 09:46 AM   #17
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Unfortunately, after a few months of ownership I had to put in a claim with Progressive. Initially I spoke with a regional rep, who transferred our claim to a local rep which took care of the entire claim process. It was a seamless process and worked with the dealer. Of course, when my 1-year was up, Progressive dramatically increased my rates and I wound up going through a broker and Nationwide. No claims since, but I would stand by Progressive to handle a claim.

Safe and happy travels.
Thanks! I was wondering about Progressive.
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Old 05-18-2019, 09:47 AM   #18
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I am with Farm Bureau and my agent told me I have coverage just like my other vehicles do. So I have the collision, and liability and personal property, ect. Doesnt matter if a tree falls on it, gets stolen or broken into I am covered. Just met with my agent a few days ago to go over my policies.
I will have to call our FB to clarify. From what I understand the trailer is only covered if we have the truck attached pulling it.
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Old 05-18-2019, 09:49 AM   #19
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Never had a claim on a TT but every other time I had a claim USAA was awesome. If you are eligible, USAA is an awesome insurance company.
Thanks but not eligible.
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Old 05-18-2019, 09:57 AM   #20
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Originally Posted by Twobees View Post
I will have to call our FB to clarify. From what I understand the trailer is only covered if we have the truck attached pulling it.

One reason I would never get insurance on truck and camper from same company.

I pay a lot in premium.....but I also get disappearing deductible and full replacement at MSRP for first five years. I also got to choose exactly how much I wanted contents covered for, instead of hoping my insurance would cover everything. I picked $25,000 I think. That should cover anything I lose.....unless I keep buying stuff!! LOL


I firmly believe everyone should ask their agent, however you do it, what kind of coverage you'd have for Contents. Thats where most bundled auto coverage is lacking.



Everyone seems to want a "Fire Sale" on insurance and always focus on premium cost. I want coverage.
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