Jayco RV Owners Forum

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Old 07-27-2016, 08:49 AM   #1
Join Date: Jul 2015
Location: Harriman
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Insurance Questions

Hello Everyone,

We are looking to get insurance for our new 5er we pick up soon and we're wondering if anyone has any advice for what we should make sure is covered or questions we should ask? We have State Farm and our homeowners will carry over to the 5er. I've noticed some people in the forum stating that is not good. Why?

The following is what our agent has told us so far and my questions back to them are in red.

1. 1) Liability extends to the 2017 Jayco from the vehicle towing it. For example, the 2008 Ford pickup is towing the Jayco and something breaks loose causing the Jayco to jackknife….liability coverage from the 2008 Ford extends to any damage or injury caused by the Jayco. There isn’t a deductible on liability coverage.

2. 2) Liability from your homeowners policy extends to any guest injury that may occur involving the Jayco while it is parked at your residence, on vacant land or on a rented camping site.

What if we are parked at a friends house to camp for a few days or a Walmart parking lot to overnight?

3. 3) Your Personal Liability Umbrella also extends liability coverage to the 2017 Jayco regardless of whether the liability claim is from a vehicle or while parked.

4. 4) Your homeowners policy extends personal property coverage to all personal items in the Jayco that were not originally attached to or part of the Jayco…furniture, clothing, dishes….etc. The coverage is the same replacement cost as your homeowners policy provides and also carries the same $1000 deductible and covers the same perils such as fire, theft, vandalism, lightning etc . For example, lightning strike the Jayco causing a fire..the Jayco policy with whichever deductible you choose covers the Jayco and all items that came with it but all other personal items are subject to the homeowners policy and its deductible.

5. 5) Your Jayco policy provides physical damage coverage for a multitude of things including fire, theft, vandalism, fallen trees, hail/thunderstorm, sudden expulsion of water etc.. Your deductible and premium choices are:

What does "sudden expulsion of water" mean? What if the pipes under the kitchen faucet leak and we don't find it for days and there's damage or the ceiling vent/fan in the bathroom leaks and there's water everywhere? Is that covered? What about a flood? We've read on camping forums of floods coming through and wiping out people's campers. Is that covered?

Other Questions:

1) Is there any kind of roadside assistance on our truck? Will there be any for the Jayco? If so, is towing included? What if the truck breaks down and needs to be towed, will there be towing for the Jayco also so we wouldn't have to just leave it alongside the road?

I haven't sent my questions back to them yet. I'll wait to see if any of you have further things I should add. Thank you!


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Old 07-27-2016, 12:16 PM   #2
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I found this article to be helpful and a starting point for research, maybe it can answer some of your question - or add to your list of questions :-)

RV FAQ's & Tips: RV Insurance

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Old 07-27-2016, 12:25 PM   #3
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The only person that can accurately answer these questions regarding your coverage and definitions is your agent. Anything here is going to just be speculation. You certainly want to have accurate answers for these situations you describe.
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Old 07-27-2016, 12:31 PM   #4
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Originally Posted by Rustysocket View Post
The only person that can accurately answer these questions regarding your coverage and definitions is your agent. Anything here is going to just be speculation. You certainly want to have accurate answers for these situations you describe.
Absolutely confirm everything regarding coverage with YOUR chosen agent. Things vary from policy to policy and the last thing you want after a major event is find out you didn't have the appropriate coverage...
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Old 07-27-2016, 01:48 PM   #5
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Thank you for that info, CampFlyer! It looks useful. I appreciate it.

Just to clarify for others....I'm looking for suggestions of questions I should ask or coverage specifics I should make sure we get.

The things I originally posted were to show what items we're already discussing with our agent. Just didn't want to miss anything. Thanks!
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Old 07-27-2016, 02:56 PM   #6
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Almost certainly your driving down the road liability is covered under your auto policy as that is the vehicle doing the towing. Your home owners may help cover some of your losses if something happens while camping or in storage. I personally would have an RV specific for non traveling losses but your agent will be able to answer your concerns much better than we can.

Additional info. My insurance (Erie) wrote a rider on my auto policy to cover the trailer for loss from theft fire damage and it was not that much more.
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Old 07-31-2016, 06:46 AM   #7
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I would get a second opinion or if possible go directly to State Farm on the coverage. We (forum members) can only comment on our policies which vary from state to state and co to co as well as policy to policy.

I have a specific RV policy that covers everything you mentioned above with some others and a specific Roadside assistance for both TV and Trailer. If one breaks down both will be towed since it's under the same policy.

Here is what I would also be looking at:
Coverage of replacement- Mine is every new model year for 5 years then purchase price after the 5th year. NADA value could leave you upside down.
Deductibles - HOIP carry some larger ones vs vehicle policies.
Injury of non-family members while on a rented site.
Flood insurance coverage- some have not been covered in this instance
Ask the - What if questions?

You seem to be asking the right questions and this is decision that "you" and you alone should be comfortable with. My information is purely for review and only from my perspective.

I also have an umbrella policy as a backup to all my vehicle coverage.

Again look to your specific needs and confirm they are met.

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Old 08-06-2016, 05:57 PM   #8
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3'senough, thank you! That was very helpful. I jist emailed our agent to ask specifically what type of replacement coverage we would have. Thanks again!
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Old 08-06-2016, 06:30 PM   #9
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Get some roadside assistance coverage, and consider a rental vehicle coverage as well. Also, make sure you clarify your roadside assistance coverage as far as how much it will cover. An example: will it cover towing the TV and the RV? or just one or the other?

My father had been paying for roadside assistance and towing for 4 years on his truck and was told by his agent that it extended to his trailer when he was towing it.
Then just this last fall on his return from a hunting trip in Eastern Nevada, he developed trouble with his truck and required a tow. No problem he thought. He called his insurance roadside assistance number and they informed him they would NOT tow his truck because it was a "Heavy Duty" and the operator read him the policy information which did state any truck 3/4 ton or higher was not eligible to be towed because they are classified as "heavy duty". However, he was able to get his trailer towed to the closest available shop or station it could be left at (which meant a parking lot in Lovelock, Nevada).
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Old 08-08-2016, 09:55 AM   #10
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3'senough, would you mind telling me who you ise for insurance? This is the answer we got innregard to 5er coverage. The only option State Farm has is “market value”. We insure the 5th wheel for its full market value less the deductible. This is the same option for your private passenger vehicles also.".


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