Insurance

[SMS1115]

Originally Posted by jloco

...Is the RV primarily kept in the states of NC, NH, MI or MA?
Yes No...

When I insured mine, it was asked where it was stored. If stored near the coast, the rates are much, much higher. Since I keep it at home, inland from storm surges, the rates are reasonable. Mine is tagged to my Auto insurance through Erie Insurance. My independent agent found this was the best cost for the available overage for me. I'm just Southwest of Raleigh NC.

[jloco]

Originally Posted by SMS1115

When I insured mine, it was asked where it was stored. If stored near the coast, the rates are much, much higher. Since I keep it at home, inland from storm surges, the rates are reasonable. Mine is tagged to my Auto insurance through Erie Insurance. My independent agent found this was the best cost for the available overage for me. I'm just Southwest of Raleigh NC.

Good point regarding primary or storage location. I have some inquiries I made earlier today to a couple of local agents.
We'll see what they can provide/ suggest.

[Jagiven]

I'm not near the coast, but my htt has an auto policy, and appears to have the best coverage I could find, and is covered for mother nature

[safetylady]

We have ours on our car policy because our agent could not find anyone to insure us up the Cape. We were asked where we would be housing the camper off season. In order to be covered we had to bring the camper home for the winter.

[clubhouse]

Originally Posted by jloco

Thanks.. This is exactly why non of the big guys will want to provide coverage on seasonal trailers in high risk coastal/flood zone. The way around it was to add it to my auto policy. As long as it has wheels, is mobile, is road legal, and I keep it registered with the MASS DMV it's covered by my auto policy.
My concern is if this 'auto coverage' insurance is satisfactory for a lender if I decide to finance my new unit, or will they require something more.

I would double check this, I know for certain liability is only extended while attached the Auto. Can't be 100% sure if the same is for Collision and Comprehensive.

We use Allied Insurance, for everything, but separate policies. Our RV policy provides liability (which is the most important for us), comp and collision at all times whether being towed, stored, or camped in. In addition to "vacation liability" we also have trip interruption and 250 miles of towing.

It appears your primary concern is damage to the unit, based on the question about the possible lean holder, but it's someone getting hurt while in or around ours, even if we are not there, that has concerned me. The other real concern I had was forgetting a "shut down step" and causing a fire or explosions that hurt nearby RVs and/or people.

When I looked, none of this was covered by attaching a towable to a auto policy.

My Dad owns a brokerage and brother is an agent. They were the source of my information several years ago. Notably, the stories of claims they have been involved in has shown me several times I could lose my RV in an accident, not like it, but it won't be hurt much financially. However someone getting hurt playing around my RV could ruin my family and I financially.

[jloco]

Originally Posted by safetylady

We have ours on our car policy because our agent could not find anyone to insure us up the Cape. We were asked where we would be housing the camper off season. In order to be covered we had to bring the camper home for the winter.

Yup., no one will insure a camper sitting down the Cape.