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Old 07-31-2014, 11:20 AM   #11
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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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Old 07-31-2014, 08:42 PM   #12
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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.
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Old 07-31-2014, 10:24 PM   #13
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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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Old 09-01-2014, 04:54 PM   #14
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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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Old 09-01-2014, 06:12 PM   #15
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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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Old 09-01-2014, 07:18 PM   #16
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Originally Posted by CarpeDiem View Post
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???
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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Old 09-01-2014, 08:20 PM   #17
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Originally Posted by CarpeDiem View Post
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???
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..
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Old 09-01-2014, 08:29 PM   #18
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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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Old 09-01-2014, 09:32 PM   #19
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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???
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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Old 09-02-2014, 04:58 AM   #20
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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.
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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