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Old 08-28-2012, 06:59 PM   #1
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Location: Greenville SC
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Insurance related questions

My TT is stored in a private campground. It never leaves this campground, and the only time the wheels even roll is when the cg people move it to and from a site. I was looking over my insurance policy and see that I have collision insurance. It is the bigger part of my policy. I also noticed nothing about comprehensive isn't even mentioned. I received a letter from Good Sam about their coverage. It got me to thinking. Do I have my TT properly insured? Will my bank require collision even though the TT is never on public roads? Thanks for any input.

2012 Jayco 32 TSBH
Stored in Myrtle Beach/Surfside SC
2006 Tundra DC with tow package
No TV since Tundra can't do it

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Old 08-28-2012, 07:12 PM   #2
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As long as it has a lien on it by the bank they will REQUIRE full coverage insurance. If the suspect you do not have the appropriate coverage the bank will obtain insurance at a VERY high premium and ad it to your bill.

Better review what you have with your insurance agent before the bank does.

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Old 08-28-2012, 08:17 PM   #3
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First call you insurance agent!

A coworker of mine, has a seasonal site, never moves their TT and had “RV Insurance”. This spring there was a 10” rainfall in one hour flooded the campground. The water was up to the kitchen counter. It was a total loss. The insurance company did not cover the TT as it was a flood and they did not have flood insurance.

That day, I called my insurance agent, who had to confirm with their underwriters. They stated because I have an auto policy on the TT, with comp, I am covered for a flood.

I recommend calling your insurance agent to determine what is covered and what is not.
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Old 08-28-2012, 08:22 PM   #4
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my insurance agent told me that during the winter months I could take the collision off of my tt if it was not going to be moved. I have Allstate.
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Old 08-29-2012, 06:32 AM   #5
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I would definitely ask for an RV specific policy. Some, not all policies are written as rider to the TV so you are covered over the road. Once you disconnect your TV from the trailer as you have some policies get very weak for the trailer. I currently have a policy that provides compreshesive over my trailer regardelss of connection. This includes any accident requiring mediacal coverage while camping in a campground. There is a loss of vacation, food, valuables and some accomodations allowance should something happen that the trailer is unihabitable during a vacation period.

The last and most important part of my coverage is that of replacement value. I pay a little extra each year to have full replacement value of a current year model as my replacement in the event of a total loss. This is good for the first 5 years of ownership then I need to change it. If not specifically written in the policy and you have a total loss you will receive a check for the current market value of your unit in most cases. On a used TT this may work but on a new one with the price paid vs depreciation, trying to go out and replace your current unit would be hard.

Talk with your agent and cross check the information with another company to compare cost and coverage IMHO. It's pennies on the dollar to have it, but could costs thousands if not right.

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Old 08-29-2012, 09:29 PM   #6
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This is good and accurate information. Exactly the type of policy I have, separate from auto with vacation liability and total replacement for the next 5 model years then fair market value after that. The total replacement is basically GAP insurance.
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Old 08-30-2012, 03:28 AM   #7
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As stated by others, the best way to go is to have a separate policy on the trailer, regardless of whether it's hitched or not. Many policies that cover it while hitched do not cover much of anything if sitting disconnected. And in my state, same as the house, if you are flooded by rain that hits the trailer first (basically a roof or sidewall leak), you are covered. But if the rain hits the ground first and THEN floods the trailer, you have NO coverage unless a separate flood policy is in effect.

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