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11-29-2015, 02:56 PM
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#1
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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Insurance
Hi Folks,
I'm in the process of purchasing a new jay flight 38fdds.
Insurance is tough to get for a seasonal (park model) as no one wants to provide coverage in a coastal zone. As a result, I have my current trailer on my auto policy because I couldn't find a stand alone insurer. As long as it has wheels and is a road worthy rig, adding to auto policy hasn't been an issue and I pretty cheap. I'm covered while its parked for hazards such as falling trees, hurricanes, etc...
How do you folks insure your rigs? Do you have separate policies? Or do you add it to your auto policies? What happens when financing a rig? Is the auto policy sufficient? I'm hoping to pay cash for my new rig when it arrives in January, but incase I decide to finance a portion I'm wondering what type of insurance the bank will require.
Thanks in advance.... John
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11-29-2015, 03:04 PM
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#2
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Senior Member
Join Date: Nov 2011
Location: Where ever the boss says we're going.
Posts: 15,950
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Our agent switched us to a seperate policy with Progressive all the rest of our Ins is with Cincinnati Financial (house cars and investment property). Agent said Progressive did a better job with specialized policies (Rv motorcycle etc) and it was cheaper.
__________________
DISNEY LOVERS
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11-29-2015, 03:10 PM
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#3
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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Quote:
Originally Posted by Grumpy
Our agent switched us to a seperate policy with Progressive all the rest of our Ins is with Cincinnati Financial (house cars and investment property). Agent said Progressive did a better job with specialized policies (Rv motorcycle etc) and it was cheaper.
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Thanks grumpy... Therein lies the problem. For some reason Progressive doesn't offer RV coverage in Massachusetts.
They mention 'offering it soon', whatever that means. Same story with Farmers, Liberty Mutual and a couple of others I checked, however Liberty Mutual lets me add it to my auto policy. I too would like to get a separate policy for the new rig.
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11-29-2015, 03:12 PM
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#4
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Senior Member
Join Date: Sep 2010
Location: PNW
Posts: 5,195
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Try going to an Independent Agent that carries several lines of insurance. They might be able to find something for you.
__________________
Bill
2011 Dodge Ram 1500 HEMI Quad Cab
2011 Jay Flight 26BH
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11-29-2015, 03:18 PM
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#5
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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Quote:
Originally Posted by SmokerBill
Try going to an Independent Agent that carries several lines of insurance. They might be able to find something for you.
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Thanks Bill... That would be my next move. All my insurance needs are currently handled through Liberty mutual through work. I think it's time to visit an independent agent for not only the new rig, but ALL my insurance needs.
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11-29-2015, 03:20 PM
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#6
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Senior Member
Join Date: Nov 2011
Location: Where ever the boss says we're going.
Posts: 15,950
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How about GEICO?
__________________
DISNEY LOVERS
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11-29-2015, 03:34 PM
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#7
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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When I try to get an online quote, it asks a peculiar question:
Is the RV primarily kept in the states of NC, NH, MI or MA?
Yes No
When I answer yes, it immediately kicks me out of the quote info page and tells me to call. I'm assuming they're like all the others, but want me to call so they can take a stab at grabbing my other policies! Lol!
I'll call them this week, but I have the feeling from my online experience, that they'll say they don't provide coverage in Massachusetts.
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11-29-2015, 03:34 PM
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#8
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Member
Join Date: Jul 2014
Location: Roxbury Twp
Posts: 78
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My lender requires full insurance. I have 15 days to provide proof of insurance or they will take out a policy for me. My current policy is $325 per year and it covers total replacement, trip insurance, the whole gamut. Your lender may also require a disclaimer on your insurance policy indicating they are a lien holder (my lender requires this). PM me for the name of my insurance agent - he is licensed in 10 states or something.
As far as taking it off the lot initially, your auto insurance Is sufficient.
__________________
2012 Ram 2500 Crew Cab 5.7 Hemi
2015 Jay Feather SLX 26BHSW
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11-29-2015, 03:54 PM
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#9
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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I wonder what's up with:
Is the RV primarily kept in the states of NC, NH, MI or MA?
Yes No
Do folks in any of these states find it hard to get insurance?
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12-01-2015, 08:44 PM
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#10
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Senior Member
Join Date: Mar 2012
Posts: 158
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Insurance
We are seasonal in Massachusetts also. A lot of the families at our campground use Foremost Insurance.
On another note, where in Massachusetts do you camp. We are at Peters Pond in Sandwich MA.
__________________
2015 Jayflight 34RSBS
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12-01-2015, 09:01 PM
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#11
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Senior Member
Join Date: Apr 2015
Location: Boston Suburbs
Posts: 302
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It's not hard to get insurance in MA.
My trailer insurance policy is from the same company as my vehicle insurance.
I was told it would be wise to get it from the same carrier. If you were to have a problem requiring a claim it would be much easier and faster if it were the same company. If it was different company's they would argue and go back and forth over who is responsible to pay for the repair.
__________________
2015 Jayflight SLX 287BHSW
2002 F-250 Extended Cab 4x4 6.8
Teconsha Prodigy P3 Brake Controller
Reese SC Weight Distrubition with sway control (12,000lb)
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12-01-2015, 09:17 PM
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#12
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Senior Member
Join Date: Mar 2015
Location: State of Confusion
Posts: 5,004
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Quote:
Originally Posted by safetylady
We are seasonal in Massachusetts also. A lot of the families at our campground use Foremost Insurance.
On another note, where in Massachusetts do you camp. We are at Peters Pond in Sandwich MA.
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+1!
https://www.foremost.com/products/travel-trailer/
Murff
__________________
Murff
2015 White Hawk 20MRB (It's last year)
2017 F150 2.7 Eco Boost 3.73 Gears
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12-01-2015, 09:45 PM
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#13
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Senior Member
Join Date: Feb 2014
Location: MD
Posts: 3,856
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We use Erie Insurance.
__________________
2017 JayFlight 28BHBE
2014 JayFlight Swift 264BH (Sold)
2007 GMC 2500 Sierra Classic Crew Cab LBZ Duramax / 6spd Allison
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12-02-2015, 09:53 AM
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#14
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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Quote:
Originally Posted by safetylady
We are seasonal in Massachusetts also. A lot of the families at our campground use Foremost Insurance.
On another note, where in Massachusetts do you camp. We are at Peters Pond in Sandwich MA.
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We are at Shady Knoll campground in Brewster. This was our 1st season. I bought my TT from a guy there. This allowed me to keep the spot. We love Brewster and go there every year. Now that we have our camper, we don't have to rent a house! After just a half season though (we took possession on August 1st), we've decided that the bunkhouse layout in our 2005 sunnybrook doesn't meet our needs, so we're trading it in for a Jayco 38fdds! I had to order one, so it's slated to arrive over the winter, then delivered to the campground in the spring. We can't wait for next season!
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2016 Jay Flight 38FDDS
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12-02-2015, 09:56 AM
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#15
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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Quote:
Originally Posted by Jhowemca
It's not hard to get insurance in MA.
My trailer insurance policy is from the same company as my vehicle insurance.
I was told it would be wise to get it from the same carrier. If you were to have a problem requiring a claim it would be much easier and faster if it were the same company. If it was different company's they would argue and go back and forth over who is responsible to pay for the repair.
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My current trailer is insured under my auto policy because I couldn't get 'stand alone ' insurance for it. Non of the major carriers will insure at a coastal zone such as cape cod. I'll try the company people here have mentioned.
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2016 Jay Flight 38FDDS
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12-02-2015, 09:59 AM
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#16
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Senior Member
Join Date: Oct 2014
Location: SF Bay Area
Posts: 721
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We are USAA members (and will be forever), but didn't like their outsourcing RV insurance (if I recall, to Progressive) so went with Foremost. So far, happy.
__________________
Hattie
"I just go where I'm towed to"
Genealogy Community Social Group Moderator
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2015 White Hawk 25BHS w/Outdoor Kitchen
2015 GMC Sierra SLT 2500HD Z71/4x4 Duramax
Son's 2016 Ford F-150 Lariat SuperCrew 4x4 + gifted 1984 Coleman Sequoia Tent Trailer
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12-02-2015, 10:20 AM
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#17
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Senior Member
Join Date: Aug 2015
Location: Cumming, Georgia
Posts: 144
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Quote:
Originally Posted by Grumpy
Our agent switched us to a seperate policy with Progressive all the rest of our Ins is with Cincinnati Financial (house cars and investment property). Agent said Progressive did a better job with specialized policies (Rv motorcycle etc) and it was cheaper.
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This exactly. I'm an insurance agent. You have no liability if someone gets hurt in your camper when unhooked from tow vehicle. Progressive and Foremost have specialized policies. They give vacation liability, put you up if you have a loss while on the road (extra expense) type coverages and more. Its almost like a homeowners policy.
The lender will want physical damage coverage on the camper under most circumstances (comprehensive and collision).
__________________
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2015 Jayco Eagle Premier 318RETS
2008 Ford F-250 Lariat CC Super Duty 6.4 Turbo Diesel
Cumming, Georgia
Go Dawgs!
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12-02-2015, 12:40 PM
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#18
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Senior Member
Join Date: May 2012
Location: Minnesota
Posts: 9,740
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Ask a lot of questions about what is and is not covered and toss out different scenarios. If you are in hurricane and or a potential flood area, ask about flood insurance. A cowork a couple years ago bought RV specific insurance for their brand new RV (seasonal site), about two months into the camping season, a freak storm came through flooded the CG. The TT was a total loss, and insurance did not cover it as it was due to a flood and they did not have flood insurance.
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12-02-2015, 12:50 PM
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#19
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Senior Member
Join Date: Oct 2015
Location: Worcester
Posts: 1,428
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Quote:
Originally Posted by Jagiven
Ask a lot of questions about what is and is not covered and toss out different scenarios. If you are in hurricane and or a potential flood area, ask about flood insurance. A cowork a couple years ago bought RV specific insurance for their brand new RV (seasonal site), about two months into the camping season, a freak storm came through flooded the CG. The TT was a total loss, and insurance did not cover it as it was due to a flood and they did not have flood insurance.
Attachment 21055
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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.
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12-02-2015, 01:30 PM
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#20
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Site Team
Join Date: Jan 2011
Location: James Island, SC
Posts: 22,772
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It has been on my auto polity for my lenders on 3 different rigs. All they want is minimum requirements for liability. I carry both liability and comprehensive.
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Moderator
2011- 351RLTS Eagle, MorRyde suspension/pin box,
2017- F350 6.7 PSD Lariat FX4,SRW, SB,CC
Hughes PWD SP-50A, TST TPMS
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B&W Turnover ball, Companion Std hitch
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