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02-02-2015, 08:38 PM
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#21
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Senior Member
Join Date: Oct 2014
Location: Surprise, Arizona
Posts: 464
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I have Progressive for my new Grayhawk and had it with my Airstream. Happy with service and price...
__________________
2015 GrayHawk 29MV/ Toad - 2018 Equinox (automatic)
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Any man can treat a lady right for one night, but it takes a great man to treat her right for the rest of her life.
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02-02-2015, 10:44 PM
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#22
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Senior Member
Join Date: Feb 2014
Location: MD
Posts: 3,856
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We have Erie insurance on house vehicles and trailer. Trailer is less than $200 a year.
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2017 JayFlight 28BHBE
2014 JayFlight Swift 264BH (Sold)
2007 GMC 2500 Sierra Classic Crew Cab LBZ Duramax / 6spd Allison
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02-03-2015, 09:00 AM
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#23
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Senior Member
Join Date: Sep 2014
Location: near the crossroads of America
Posts: 107
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I just spoke with my insurance agent (Farmers). He told me my trailer insurance was an add on to my vehicle, and that it was only covered when it's hooked up. He suggested I purchase a separate policy, and it would be through Foremost. When I asked him about that company, he said Farmers bought Foremost about 15 years ago and it was a good company.
Poppy
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02-03-2015, 12:51 PM
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#24
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Senior Member
Join Date: May 2014
Location: Missouri
Posts: 222
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Poppy your agent is correct. I have Farmer too with Foremost as a rider. Had two claims on my previous trailer and was very satisfied with the coverage. It is a good company.
__________________
2015 Jayco Jayflight 24FBS
2013 F150 Super Crew 3.5, 3:31
2004 f150 Super Crew 5.4, 3:73 traded
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02-03-2015, 01:12 PM
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#25
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Site Team
Join Date: Jan 2011
Location: James Island, SC
Posts: 22,772
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I would get a clarification from your agent.
Most Liability is covered by your auto policy if the trailer is under tow but the collision and comprehensive are a separate policy in my area.
Also sometimes your homeowners policy will cover a loss on the trailer if it is parked in your yard.
__________________
Moderator
2011- 351RLTS Eagle, MorRyde suspension/pin box,
2017- F350 6.7 PSD Lariat FX4,SRW, SB,CC
Hughes PWD SP-50A, TST TPMS
Gator roll-up bed cover
B&W Turnover ball, Companion Std hitch
Can't find what you're looking on JOF? Try Jayco Owners Forum Custom Google Search
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03-19-2015, 06:14 PM
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#26
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Member
Join Date: Mar 2015
Location: Wichita Falls
Posts: 38
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i just called State Farm today and added our 2015 26BHS. $330 a year, $1000 deductible, full replacement value. the policy basically covers everything under the sun. theft, flood, fire, hail...the whole 9.
i asked about the different options such as covering under homeowners when it's parked at home, and covering under our auto when i'm towing it. in the end i just went ahead and bought the separate policy. $28/month for peace of mind is money well spent in my opinion.
__________________
2015 Jay Flight 26BHS
2015 Chevy Silverado 2500HD Z71 Crew Cab 6.6L Duramax
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03-19-2015, 06:38 PM
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#27
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Senior Member
Join Date: Feb 2014
Location: Fuquay-Varina
Posts: 437
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Quote:
Originally Posted by SouthCo
We have Erie insurance on house vehicles and trailer. Trailer is less than $200 a year.
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Same here. Trailer coverage was very reasonable with Erie since we already had them as our vehicle insurer.
__________________
Steve
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2008 Jay Flight G2 29BHS
2017 Chevrolet Silverado 2500HD Z71
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03-19-2015, 07:03 PM
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#28
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Senior Member
Join Date: Jul 2014
Location: Silver Spring, MD
Posts: 1,795
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Ouch... $600 a year for a trailer? I just got a full coverage quote for my 2015 29QBS for $170 a year from Erie. That includes road side service.
Even better, since we have our home and vehicles through Erie, adding the trailer reduced our overall payments by MORE than the cost of the RV insurance!!!
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03-19-2015, 09:17 PM
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#29
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Senior Member
Join Date: Aug 2014
Location: Dallas
Posts: 155
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If your trailer is park at your home., your home Ins covers your TT. When on the road your TT Ins takes over. I was told that by Farmers Ins.
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03-20-2015, 06:54 AM
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#30
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Senior Member
Join Date: Aug 2014
Location: Wheatfield
Posts: 1,091
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In your driveway, if a passerby trip over the tongue and hurts himself, or if someone breaks in and steals a portable TV, your homeowner's insurance might cover the liability or theft, if you don't have TT insurance. But if the trailer burns to the ground, you wouldn't be covered.
If you DO have TT insurance, the issues noted above would go directly to the TT insurance.
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03-20-2015, 07:20 AM
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#31
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Senior Member
Join Date: Jul 2014
Location: Silver Spring, MD
Posts: 1,795
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Quote:
Originally Posted by Touch N Go
If your trailer is park at your home., your home Ins covers your TT. When on the road your TT Ins takes over. I was told that by Farmers Ins.
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Be careful and read what your coverage says. My insurance on my truck covers me if my trailer causes damage to someone or something else... but it doesn't cover the cost to repair or replace my trailer. In order to cover damage to my trailer, I have to have a separate policy.
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03-20-2015, 09:36 AM
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#32
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Senior Member
Join Date: Jan 2015
Location: Harrisburg
Posts: 274
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Another thing to consider is, although unlikely, if your trailer should become detached from your tv while traveling down the highway. If the trailer has no coverage and hits another vehicle and possibly injures someone or worse, who pays ? I have seperate coverage even on the small cargo trailer we tow with our Gold Wing motorcycle. I am a "belt and suspenders" kind of guy !
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03-20-2015, 10:10 AM
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#33
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Junior Member
Join Date: Mar 2015
Location: Fraser
Posts: 21
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Checking out insurance for new 20MRB. Have quotes from Foremost, Progressive, waiting on Geico. Good Sam appears to be 1/2 the price for similar (or better) coverage. Am I missing something?
__________________
2015 White Hawk 20MRB
2006 F150 SCREW
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03-20-2015, 03:35 PM
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#34
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Member
Join Date: Feb 2015
Location: Baxter
Posts: 34
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This thread interested me because we have ordered our first trailer ever, and I value good insurance for peace of mind. Called our insurer of 40+ years (USAA) and learned they have excellent coverage at very reasonable rates for us here in rural Minnesota. I hate shopping for insurance, so this was particularly nice for me to hear. Thank you for posting this thread.
Glen
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03-20-2015, 05:38 PM
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#35
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Senior Member
Join Date: Mar 2015
Location: Havre
Posts: 148
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I just got a quote yesterday from GEICO for additing insurance for my new Jacyo 23RB from my auto insurance company and it will cost me $34.57/month ($414.84)...and that's using it for work related purposes (240 days out of the year, 15000+ miles). The only deduction was for the addition of home-style burglar alarm/monitoring. Also should note, my auto insurance is MUCH higher in Montana than it was in Wisconsin for some reason.
Bodily Injury Liability $100,000 per person/$300,000 per occurrence
Medical Payments $10,000 per occurrence
Property Damage Liability $50,000 per occurrence
Uninsured Motorist & Underinsured Motorist $100,000 per person/$300,000 per occurrence
Comprehensive $1,000 deductible
Collision $1,000 deductible
Emergency Road Service
Rental Reimbursement
$15000 additional rider for damage to items carried within the travel trailer
__________________
Todd Klassy
https://www.toddklassy.com
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