While we're on the subject of insurance, make sure you read the fine print - particularly about replacement value
. A couple of years ago, a tree fell onto my old trailer while it was in storage. It broke one of the sewer vents, punctured a tiny hole in the roofing membrane, broke one of the awning brackets and bent the snot out of my awning tube. Insurance company took care of the vent: no problem. Insurance adjuster put a small roof repair patch over the hole in the membrane: no charge. But when it came to the awning, that was a different story. My carrier would only pay 10% of the current value of the trailer toward a new awning. They only valued my (then) 9 year old 18' ultra-lite tt at $1000, so they'd only pay $100 toward a new awning. I had to come up with the remaining $550 to get my awning replaced.
If I had taken the time to read the fine print
, I may have gotten my coverage elsewhere. Or maybe not, since I still have the same insurer today. The point is, I should have better informed myself of all the stipulations of the insurance coverage. Now that I'm going to be a full time RVer (and won't have the discount my S & B coverage gives me), I'm going to be looking for a new policy. Good Sam offers "Full-timer's Policies", so I'll be taking a look at them. But this time around, you can bet I'll be reading the fine print!