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07-30-2014, 06:59 PM
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#1
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Member
Join Date: Jul 2014
Location: Roxbury Twp
Posts: 78
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Travel Trailer Insurance
I had to purchase an insurance policy for my HTT since it has a lien on it. I'm paying $348 for the year which includes: other than collision, collision, vacation liability, Traveline towing/roadside assistance, emergency expense, scheduled medical benefits, personal property and total loss replacement cost.
My question is, do most owners carry an insurance policy on their unit and is this a comparable price?
Thanks!
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2012 Ram 2500 Crew Cab 5.7 Hemi
2015 Jay Feather SLX 26BHSW
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07-30-2014, 07:07 PM
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#2
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Senior Member
Join Date: Sep 2013
Location: Fort Worth
Posts: 355
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As far as insurance costs go , not sure wether you added this to your existing policy or bought it seperately but at that cost per year and what your getting for it seems comperable to me
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KELLY & LINDY ( SEMI RETIRED)
FORT WORTH,TEXAS
2000 FORD F-150 V-6/4.2
2006 JAYCO JAY FEATHER 23B EXP
EQUILIZER HITCH
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07-30-2014, 07:28 PM
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#3
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Senior Member
Join Date: Oct 2011
Location: Central California
Posts: 2,283
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Yes I carry insurance, a separate policy with the coverages you mention. I'm a little lower in price -- but that could be the difference on where we live.
__________________
2020 Ram 1500 5.7L
2007 Chevy Duramax LMM/Allison (Sold)
2012 Jay Flight 29QBH (Sold)
2012 Jay Flight 26BH (Sold)
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07-30-2014, 07:33 PM
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#4
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Member
Join Date: Aug 2013
Posts: 59
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Also have similar coverages and features - I pay around $230 through progressive.
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07-30-2014, 08:31 PM
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#5
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Senior Member
Join Date: Apr 2013
Location: White Rock, BC. Canada
Posts: 374
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We are required to have insurance on all trailers but basic insurance/ licence is only around $50 a year. I have collision too which brings it up to $200 and something.
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]2013 Jay Feather X213
2003 Ford Expedition
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07-31-2014, 12:04 AM
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#6
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Senior Member
Join Date: Dec 2013
Location: Langley
Posts: 516
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Quote:
Originally Posted by Paulx213
We are required to have insurance on all trailers but basic insurance/ licence is only around $50 a year. I have collision too which brings it up to $200 and something.
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Do you have replacement insurance?...my policy is over $300.00 plus $76.00 for licence fee. I carry 1 mil liability and $30,000 replacement for collision and theft
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2012 Jayco Jayfeather X213
2004 Dodge Ram 1500 Laramie Quad Cab 4x4
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07-31-2014, 03:12 AM
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#7
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Senior Member
Join Date: Sep 2011
Location: Luray, VA (central Shenandoah Valley of VA)
Posts: 1,430
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Yes, we carry the same insurance as you mention on our 5er. Cost is a little under $200 for all. Also, I am told that your homeowner's insurance automatically covers 10% of its value in personal belongings, regardless of location, which includes stuff you take with you in the TT or 5er while camping.
__________________
2003 Ford F-350 V-10 Crew Cab 4WD Long Bed
2004 Jayco Designer Medallion 29 RLTS 5th wheel
Bill, Gayle, Teddy (Jack Russell terrier), and Honey (Beagle)
Retired at last !
Nothing is foolproof to a sufficiently talented fool.
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07-31-2014, 04:21 AM
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#8
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Site Team
Join Date: Jan 2011
Location: James Island, SC
Posts: 22,851
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Ours is tacked on to the auto/homeowner package with Allstate. It is near $150 every 6 mo. Comparable to what you stated.
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 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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07-31-2014, 08:33 AM
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#9
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Senior Member
Join Date: Nov 2012
Location: Lake Mary
Posts: 298
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In the same range as what I pay for coverage with GEICO on our WhiteHawk, though I do not have the replacement cost rider. So yes, sounds like you are getting good value for the premium paid, though the only way you'll know for sure is to file a claim. Hope that doesn't happen................
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07-31-2014, 10:10 AM
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#10
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Senior Member
Join Date: Jun 2011
Location: Kalamazoo, West Michigan
Posts: 1,817
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Either I have very little coverage or I'm getting a heck of a deal for $120 PER YEAR! I talked to my agent recently and my policy will cover rodent damage on my trailer or any of my automobiles as well.
I've been with State Farm since 1991 and have my homeowners policy with them as well so maybe there is a discount associated with that.
__________________
2006 23B Hybrid with 10k round bar WDH
2011 F150 4x4 SCREW Ecoboost, Max Tow, Integrated TBC, 3.73 LS axle, Firestone Ride Rite airbags.
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07-31-2014, 10:20 AM
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#11
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Senior Member
Join Date: Aug 2013
Location: Hamilton, MI
Posts: 429
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We carry "full coverage" insurance on our 1997 314BHS even though there is no loan on it. It's pretty cheap if you think about it. I think our policy is less than $100 a year.
The hardest part about getting insurance for us is telling them what the replacement value of the camper is. Even though we paid much less than the "stated value" we still would be paid what the stated value is, in the event a total loss would occur (minus the deductable)
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'97 Jayco Eagle 314BHS
'03 Tahoe LT 5.3L
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07-31-2014, 07:42 PM
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#12
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Member
Join Date: Jul 2014
Location: Roxbury Twp
Posts: 78
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Next year i'll take a look at possibly adding it through homeowners or auto but I only had 15 days to purchase the insurance and the guy i used was recommended by the RV dealer i purchased the unit from.
__________________
2012 Ram 2500 Crew Cab 5.7 Hemi
2015 Jay Feather SLX 26BHSW
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07-31-2014, 09:24 PM
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#13
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Junior Member
Join Date: Jul 2014
Location: Santa Clarita
Posts: 11
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I insure with Progressive for $290 annually- with about the same coverage as you minus roadside assistance. Have Good Sam for that.
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09-01-2014, 03:54 PM
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#14
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Junior Member
Join Date: Aug 2014
Location: Columbia
Posts: 15
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I'm a little worried.. We just bought ours a couple weeks ago and I called my insurance company (Liberty Mutual) to make sure I had coverage before I left the lot. All I covered was replacement with a $250 deductible. Cost: $12.00 per year. Remainder of this year: $3.00. Clearly I'm doing something wrong, what is it???
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Jay Flight SLX 145RB
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09-01-2014, 05:12 PM
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#15
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Senior Member
Join Date: Jan 2011
Location: Vienna
Posts: 2,044
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Ours is around $300 per year and it is added on to our auto policy. Does cover replacement value as well. We also have homeowner's with same company so get a break for bundling. We have a brand new 2014 Jayco Eagle 33.5RETS. Sounds like you are getting a good deal.
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Joe Hinson
2010 Jayco Quest G2(SOLD)
2014 Jayco Eagle 33.5RETS
2007 Ram 2500 5.9L Cummins(SOLD)
2015 Ram 2500 6.7L Cummins 4WD
:)
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09-01-2014, 06:18 PM
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#16
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Senior Member
Join Date: Aug 2014
Location: Spicewood, Texas
Posts: 913
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Quote:
Originally Posted by CarpeDiem
I'm a little worried.. We just bought ours a couple weeks ago and I called my insurance company (Liberty Mutual) to make sure I had coverage before I left the lot. All I covered was replacement with a $250 deductible. Cost: $12.00 per year. Remainder of this year: $3.00. Clearly I'm doing something wrong, what is it???
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Just guessing but that's prolly for the remaining time left on your auto policy which prolly is about due for renewal.
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2015 338RETS Eagle Premier gloss sides., king.
2012 Ram 3500, crew cab 4x4 duelly Deleted
16k miles, 530HP, 1000 +torque.
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09-01-2014, 07:20 PM
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#17
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Senior Member
Join Date: Jun 2011
Location: Kalamazoo, West Michigan
Posts: 1,817
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Quote:
Originally Posted by CarpeDiem
I'm a little worried.. We just bought ours a couple weeks ago and I called my insurance company (Liberty Mutual) to make sure I had coverage before I left the lot. All I covered was replacement with a $250 deductible. Cost: $12.00 per year. Remainder of this year: $3.00. Clearly I'm doing something wrong, what is it???
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My sister works for Liberty Mutual and she only pays like $10 per year. I think most of us are getting ripped off. My agent told me that (despite the stories and photos of RV wrecks on the forum) RV collision losses are pretty rare. Comprehensive claims, however, are more common...rodents, tree branches, hail damage, etc..
__________________
2006 23B Hybrid with 10k round bar WDH
2011 F150 4x4 SCREW Ecoboost, Max Tow, Integrated TBC, 3.73 LS axle, Firestone Ride Rite airbags.
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09-01-2014, 07:29 PM
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#18
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Senior Member
Join Date: Mar 2012
Location: Le Sueur, MN
Posts: 104
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$10-12 a year hardly covers postage and paper let alone the time invoved in handling a policy. $10 -12 a month I could believe though. My premium is $185 a year.
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09-01-2014, 08:32 PM
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#19
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Senior Member
Join Date: Jun 2014
Location: Northern CT
Posts: 223
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Quote:
Originally Posted by CarpeDiem
I'm a little worried.. We just bought ours a couple weeks ago and I called my insurance company (Liberty Mutual) to make sure I had coverage before I left the lot. All I covered was replacement with a $250 deductible. Cost: $12.00 per year. Remainder of this year: $3.00. Clearly I'm doing something wrong, what is it???
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List your agents name and number. A whole lot of us will be calling if you can insure your TT for $12 a year.
__________________
2013 Jay Flight 26BH
2017 GMC Sierra 1500 SLT 4x4
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09-02-2014, 03:58 AM
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#20
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Junior Member
Join Date: Aug 2014
Location: Columbia
Posts: 15
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Quote:
Originally Posted by KiltDog
List your agents name and number. A whole lot of us will be calling if you can insure your TT for $12 a year.
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That's why I asked the question. What are you getting that I am not? I know I'm covered for replacement cost, But not contents. 90% of the time there is less that $100 worth of personal stuff in it. The rest of the time personal stuff might amout to $500. It is a 16 foot trailer but the price seems way to cheap. Sorry if I'm hijacking the thread. Should I start a new one?
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Jay Flight SLX 145RB
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