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Old 07-26-2015, 01:52 PM   #1
Join Date: Jul 2015
Location: Oscoda
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Trailer Insurance Coverage

Should be Titled: Trailer Insurance

Buying a 2013 Jay Flight 22RB this week. Will need insurance coverage before towing it home.

Newb here so needing advice:

Are there known "best" insurance carriers on RV's. I thus far have only looked at Progressive and Good Sam.

Coverages that are essential: standard or broad form?, replacement value or not?

Don't wish to start an opinion war here as I am sure experiences vary. But, I do not want to buy coverage from some low ball carrier that is not there or unfair when I need them.

Any bits of educational input appreciated.


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Old 07-26-2015, 03:15 PM   #2
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I think you have two good quotes if shopping price try Geico or call an insurance broker and see what he quotes you. I have had good service from Progressive.

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Old 07-26-2015, 03:26 PM   #3
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I don't think you are going to get a war "here". We are all here to share our insights and do so willingfully.

Insurance is one thing you need to read the fine print on. I always say ask the "what ifs".

Key questions to ask the selling agent:

What am I covered for when my TV is disconnected?
What will I get if totaled?

I went with full replacement at current model year for 5 years then it drops to price for unit when new.

Geico gave me some other coverage for the campground and injury as well as loss of property with my coverage. Also it's prorated already for seasonal camping, some companies want you to call and say it is off the road during the offseason. Another factor is where it is stored while not in use. Home property is cheaper than public storage.

Welcome and good luck.

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Old 07-26-2015, 07:05 PM   #4
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We've had Foremost on our trailers since 1987. The coverage was better and the cost lower and all these years we've been happy.

BTW, we first found out about them from our regular insurance agent, who was also an RVer. He recommended them over his own brand, even though he wasn't an agent for them. He even suggested who to call.
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Old 07-26-2015, 07:44 PM   #5
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I use Allstate and bundle it with my other vehicles and home owners coverage at a small discount for multiple policies.

I have used them since 2002 and have been very happy with the coverage and service.

Addl info: Some national companies may not sell rv policies in your particular state. What they do is regulated by the state the policy is sold in.
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Old 07-26-2015, 08:24 PM   #6
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You will find it varies a lot by where you live and how much RVing time you can do. I live in So Cal and RV every month, I have a 2012 29 RLDS and I pay right at $200 a year with Mercury, full coverage, replacement value if it gets totaled


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