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04-22-2014, 08:43 PM
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#1
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Junior Member
Join Date: Apr 2014
Location: Little York
Posts: 14
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Insurance
Wonder if you folks can give some recommendations for travel trailer insurance.
Do I get it from State Farm which insures our cars or is there specific companies that insure trailers?
Thanks so much!
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04-22-2014, 08:44 PM
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#2
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Senior Member
Join Date: Feb 2014
Location: MD
Posts: 3,856
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I use the same insurance company that insures my house and vehicles.
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04-22-2014, 08:49 PM
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#3
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Member
Join Date: Mar 2014
Location: St. Clair Shores
Posts: 62
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I'm also with State Farm and have insured our TT with them. I did an online search and got a few quotes from other insurance companies and all were $200+ more expensive. I have a separate towing/roadside assistance through AAA though.
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04-22-2014, 10:30 PM
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#4
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Senior Member
Join Date: Dec 2010
Location: North Idaho/Arizona
Posts: 5,446
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We also use the same company that insures the house and vehicles.
__________________
2011 Eagle 330RLTS with just about every option.
2017 Silverado 1500 4x4 5.3 with tow package. (no, we don't tow the Jayco with it.)
2018 Surveyor 265RLDS well equipped.
Life in the slow lane is still life.
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04-22-2014, 10:35 PM
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#5
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Senior Member
Join Date: Jul 2013
Location: Renton
Posts: 517
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We have Geico specialized RV insurance. it covers replacement cost and contents. It is much better than "automotive" insurance which isn't that good. Good Sam and some other companies do offer specialized RV insurance. I strongly recommend specialized RV insurance because of the nature of RVs vs. cars.
__________________
Michael
Old setup:
2004 Chevrolet Silverado 3500 LT with a 2004 Jayco JayFlight 29BHS
2014 Greyhawk 31FS with a 2007 Tahoe toad
New setup:
2014 Thor Palazzo 33.3 with a 2017 Ford Explorer toad
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04-23-2014, 05:30 AM
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#6
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Senior Member
Join Date: Jan 2014
Location: Aurora CO
Posts: 2,334
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State Farm
__________________
Jim & Kim from Colorado
2014 Eagle 30.5 RLS
2015 Dodge 3500HD SRW 6.7L
Click on my profile for Mods and notes
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04-23-2014, 06:17 AM
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#7
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Senior Member
Join Date: Sep 2010
Location: New York
Posts: 2,210
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In a trailers case I don't think you can split the policies with liability coverage. Your TV and TT should be the same provider in a trailers case. Motor home would be a different deal.
Make sure you are getting a specific plan that covers your unit when detached from the TV. Some policies may be written as a rider on the TV and once you unhook you are not covered. I also have Geico and new model year replacement with a roadside assistance plan specific to the trailer and TV.
__________________
2014 375 BHFS Eagle Premier
2014 Ram 3500 Longhorn DRW CC
6.7 CTD, Aisin, 4.10's
Yamaha EF3000iSEB
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04-23-2014, 08:28 AM
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#8
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Junior Member
Join Date: Apr 2014
Location: Little York
Posts: 14
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Thanks so much for your help! Awaiting a quote from RV America and for State Farm to call us back.
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04-23-2014, 08:46 AM
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#9
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Senior Member
Join Date: May 2012
Location: Minnesota
Posts: 9,780
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Talking insurance can be like talking motor oil in the old car crowd. Insurance is about protecting your assets and your future. Not just the physical camper in this case but your other assets too if something absolutely horrible would happen. Now I am fully covered under State Farm for all my insurance policies. Reason being is I have an umbrella policy. If I went with a specialty insurance carrier for the camper or my old car the umbrella policy would not cover those items. Now with my old car, I am paying just a little bit more than I would with a specialty insurance carrier, but I am much better covered incase of a horrible accident.
Personally, I would talk with your insurance agent, talk about options and the pros and cons of doing different options. My State Farm agent was very good and took the time to explain my coverage, exemptions, loop holes and so for. At the end of the day she did not pressure me to stay. But gave me a lot of good info to my research in looking at options.
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04-23-2014, 09:24 AM
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#10
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Senior Member
Join Date: Nov 2013
Location: Los Angeles
Posts: 128
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USAA insures me, my TT, home, auto, etc, etc.....
__________________
2014 Jayco Jay Feather 16XRB towed by a 2015 Jeep Grand Cherokee & E2 WDH system
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04-23-2014, 01:40 PM
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#11
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Senior Member
Join Date: Aug 2012
Location: South Jersey
Posts: 525
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X2 Jagiven!
I have Geico for everything. After talking with the insurance agent it just made sense to keep everything together. He's an independent agent and shopped us around for the best price/coverages.
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04-23-2014, 05:50 PM
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#12
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Member
Join Date: Jan 2014
Location: Knoxville
Posts: 51
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State Farm for house, cars and RV. BTW the homeowners policy covers the contents of the RV.
__________________
Gary & Brenda
2012 JayFlight 22FB
1996 Chevy Tahoe 4X4
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04-24-2014, 10:03 AM
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#13
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Senior Member
Join Date: Nov 2010
Location: Pahrump
Posts: 4,038
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When I looked into this I came down on using the auto carrier for the camper. So I've got liability, comp & collision for just over $100. RV insurers wanted hundreds. As I've had only two very small claims in over 50 years of driving, home ownership, etc., I've saved thousands by not overinsuring. Enough to swallow some loss without regret. Downside to using the auto insurance, content not included. I would have to look to my homeowners. So with my $2k deductible I really don't have content coverage. Upside, it was suggested that I cancel liability when the rig is parked, saving a bit more. I haven't done that yet with Hartford but did in the past with Safeco.
A little off topic, I recently shopped USAA and my quote for apples and apples was nearly double Hartford. I can only guess as to the reason. They look at your credit and I have mine locked with all three reporting agencies, so they didn't get a report.
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04-24-2014, 10:13 AM
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#14
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Senior Member
Join Date: Oct 2011
Location: Central California
Posts: 2,283
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I use Allied Insurance for everything. For us, in this area, we have great rates. The TT alone is $200 year, which includes comp/collision, contents and vacation liability.
Rates and coverage vary wildly between states/zip codes. I'd talk with your Agent. An umbrella liability policy isn't a bad idea either -- I carry one. We have too much to lose should someone have reason to sue us -- fixing/replacing a wrecked TT is important but no where near the highest level our concern.
__________________
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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04-24-2014, 10:16 AM
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#15
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Senior Member
Join Date: Nov 2010
Location: Pahrump
Posts: 4,038
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Quote:
Originally Posted by clubhouse
An umbrella liability policy isn't a bad idea either -- I carry one. We have too much to lose should someone have reason to sue us
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X2
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04-24-2014, 10:41 AM
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#16
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Junior Member
Join Date: Apr 2014
Location: McKinney
Posts: 26
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We have Geico for all of our insurance needs. Ours is pretty cheap IMO, WELL WELL under that $200 a member was talking about.
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04-24-2014, 12:50 PM
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#17
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Senior Member
Join Date: May 2011
Location: Columbus Ohio
Posts: 148
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Insurance
I used State Farm for years, but found out any of the contents, other than factory installed, was covered by State Farm homeowners policy and subject to its deductible, $1,000. I changed to Good Sam and saved some $ and you also receive a credit for not towing the trailer while it is in winter storage, about $9.00 per month. Ready your policy and read the fine print! So far I am satisfied with Good Sam, however not a their claim experience. Insuring a 2010 Eagle 34' trailer.
BuckeyeJim
Columbus Oh
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04-24-2014, 01:56 PM
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#18
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Member
Join Date: Mar 2014
Posts: 31
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x2 on the Allied.. beat my geico substantially in price.
__________________
2011 F-150 Super Crew, 3.5 Ecoboost,tow package 3.55 rear end, 2013 Whitehawk 27 DSRL
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