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Old 12-01-2015, 09:01 PM   #11
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It's not hard to get insurance in MA.

My trailer insurance policy is from the same company as my vehicle insurance.

I was told it would be wise to get it from the same carrier. If you were to have a problem requiring a claim it would be much easier and faster if it were the same company. If it was different company's they would argue and go back and forth over who is responsible to pay for the repair.
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Old 12-01-2015, 09:17 PM   #12
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Originally Posted by safetylady View Post
We are seasonal in Massachusetts also. A lot of the families at our campground use Foremost Insurance.

On another note, where in Massachusetts do you camp. We are at Peters Pond in Sandwich MA.
+1!

https://www.foremost.com/products/travel-trailer/

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Old 12-01-2015, 09:45 PM   #13
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We use Erie Insurance.
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Old 12-02-2015, 09:53 AM   #14
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We are seasonal in Massachusetts also. A lot of the families at our campground use Foremost Insurance.



On another note, where in Massachusetts do you camp. We are at Peters Pond in Sandwich MA.

We are at Shady Knoll campground in Brewster. This was our 1st season. I bought my TT from a guy there. This allowed me to keep the spot. We love Brewster and go there every year. Now that we have our camper, we don't have to rent a house! After just a half season though (we took possession on August 1st), we've decided that the bunkhouse layout in our 2005 sunnybrook doesn't meet our needs, so we're trading it in for a Jayco 38fdds! I had to order one, so it's slated to arrive over the winter, then delivered to the campground in the spring. We can't wait for next season!
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Old 12-02-2015, 09:56 AM   #15
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Originally Posted by Jhowemca View Post
It's not hard to get insurance in MA.

My trailer insurance policy is from the same company as my vehicle insurance.

I was told it would be wise to get it from the same carrier. If you were to have a problem requiring a claim it would be much easier and faster if it were the same company. If it was different company's they would argue and go back and forth over who is responsible to pay for the repair.

My current trailer is insured under my auto policy because I couldn't get 'stand alone ' insurance for it. Non of the major carriers will insure at a coastal zone such as cape cod. I'll try the company people here have mentioned.
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Old 12-02-2015, 09:59 AM   #16
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We are USAA members (and will be forever), but didn't like their outsourcing RV insurance (if I recall, to Progressive) so went with Foremost. So far, happy.
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Old 12-02-2015, 10:20 AM   #17
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Our agent switched us to a seperate policy with Progressive all the rest of our Ins is with Cincinnati Financial (house cars and investment property). Agent said Progressive did a better job with specialized policies (Rv motorcycle etc) and it was cheaper.
This exactly. I'm an insurance agent. You have no liability if someone gets hurt in your camper when unhooked from tow vehicle. Progressive and Foremost have specialized policies. They give vacation liability, put you up if you have a loss while on the road (extra expense) type coverages and more. Its almost like a homeowners policy.

The lender will want physical damage coverage on the camper under most circumstances (comprehensive and collision).
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Old 12-02-2015, 12:40 PM   #18
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Ask a lot of questions about what is and is not covered and toss out different scenarios. If you are in hurricane and or a potential flood area, ask about flood insurance. A cowork a couple years ago bought RV specific insurance for their brand new RV (seasonal site), about two months into the camping season, a freak storm came through flooded the CG. The TT was a total loss, and insurance did not cover it as it was due to a flood and they did not have flood insurance.

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Old 12-02-2015, 12:50 PM   #19
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Ask a lot of questions about what is and is not covered and toss out different scenarios. If you are in hurricane and or a potential flood area, ask about flood insurance. A cowork a couple years ago bought RV specific insurance for their brand new RV (seasonal site), about two months into the camping season, a freak storm came through flooded the CG. The TT was a total loss, and insurance did not cover it as it was due to a flood and they did not have flood insurance.

Attachment 21055
Thanks.. This is exactly why non of the big guys will want to provide coverage on seasonal trailers in high risk coastal/flood zone. The way around it was to add it to my auto policy. As long as it has wheels, is mobile, is road legal, and I keep it registered with the MASS DMV it's covered by my auto policy.
My concern is if this 'auto coverage' insurance is satisfactory for a lender if I decide to finance my new unit, or will they require something more.
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Old 12-02-2015, 01:30 PM   #20
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It has been on my auto polity for my lenders on 3 different rigs. All they want is minimum requirements for liability. I carry both liability and comprehensive.
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