Insurance

[Kal El]

I wasn't able to find a thread on the matter. We recently bought a new trailer, and found out that our current insurance only covers liability as far as the trailer is concerned. I know that Good Sam is a popular choice, and is the only one we've researched so far. I was curious as to what other options, some of you use to insure your trailer. Who do you guys use for accident insurance, and do you recall rates and deductibles on your coverage? Thank you for your time.

[KST-184BH]

I am a Good Sam member but their rates seemed way high (for me anyway).
Progressive was the best rate I found. I was paying about $400.00 a year with Nationwide on a 2014 184BH. I switched to Progressive last year and the rate dropped to $216.00. 500 deduct for comp & collision.

2014 Jayco 184BH
COMPREHENSIVE ACTUAL CASH VALUE $178.00
AT TIME OF LOSS $500 DED
COLLISION ACTUAL CASH VALUE $36.00
AT TIME OF LOSS $500 DED
MEXICO COVERAGE INCL
FIRE DEPARTMENT SERVICE $1,000 INCL
EMERGENCY VACATION EXPENSE $750 LIMIT INCL
VACATION LIABILITY $10,000 INCL
Premium by Vehicle $214.00
Automobile Burglary/Theft Prevention Fee

I know we are not talking motor homes but I consider the rate I received very good for an $80K dollar RV.
$492.00 for (1) year of full coverage and it isn't' the minimum.

2016 Jayco 24K
BODILY INJURY & PROPERTY DAMAGE LIABILITY $53.00
BI $250,000 EACH PERSON - $500,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $100,000 EACH ACCIDENT
UNINSURED/UNDERINSURED MOTORIST BODILY INJURY $14.00
$100,000 EACH PERSON - $300,000 EACH ACCIDENT
UM/UIM PROPERTY DAMAGE $10.00
$50,000 LESS $250 DEDUCTIBLE
BASIC PERSONAL INJURY PROTECTION $5,000 $9.00
COMP $500 DED TOTAL LOSS REPLACE/PURCHASE PRICE $182.00
(SEE POLICY FOR DETAILS)
COLL $500 DED TOTAL LOSS REPLACE/PURCHASE PRICE $151.00
(SEE POLICY FOR DETAILS)
MEXICO COVERAGE INCL
FIRE DEPARTMENT SERVICE $1,000 INCL
EMERGENCY VACATION EXPENSE $2000 LIMIT $12.00
VACATION LIABILITY $50,000 $8.00
DISAPPEARING DEDUCTIBLE INCL
$5,000 REPLACEMENT COST PE $100 DED $32.00
ROADSIDE ASSISTANCE $19.00
Premium by Vehicle $490.00
Policy Level Coverage
Trailer (Used With Motorhome And Included With INCL
Comprehensive And Collision Coverage)
The Lesser Of Acv Less Ded Or $2,500
Automobile Burglary/Theft Prevention Fee

[travelingjw]

I live in CA and purchased my insurance from CSAA (AAA). I think it was around $185.00 for a Jayco 23MRB.

[soperman3]

Progressive will probably be your best bet. They'll give you a quote over the phone. 855-758-0770

Sent from my SM-G935V using Tapatalk

[need-a-vacation]

Originally Posted by soperman3

Progressive will probably be your best bet. They'll give you a quote over the phone. 855-758-0770 Sent from my SM-G935V using Tapatalk

X3!!!

It may not be as cheap as some, but the coverage for contents and the awning are very hard to beat.

We pay ~$400/yr for our '16 32 BHDS here in Mid Michigan. My wife knows the details of coverage as she is the ins guru since she works in the field!!! Lol

Good luck deciding!!!

[Kal El]

So far, Progressive does seem very reasonable over Good Sam. For $241 I get Total loss replacement/Purchase Price, $1,000 deductibles on collision/comprehensive, disappearing deductibles, roadside assistance, and $1000 personal effects replacement. AAA and Geico have to contact me for their quotes, but not sure if they'd get any where close to that coverage for the price. Thanks for the suggestions, I appreciate it.

[oldenuftoknowbetter]

I have Progessive. Decent rate.

[Mikedebb]

We use state farm and pay 500 a year, with 100 and 250 deductible.

[Marcm157]

Worked up a custom quote from Progressive based upon this post. Rate was within a few dollars of my current policy with Geico but with better coverage. I just bound a policy and will be switching to Progressive. The only benefit to Geico is since they insure my vehicles, if there was a loss due to an accident, there would have only been a single deductible.