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Old 07-30-2014, 07:59 PM   #1
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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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Old 07-30-2014, 08:07 PM   #2
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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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Old 07-30-2014, 08:28 PM   #3
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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.
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Old 07-30-2014, 08:33 PM   #4
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Also have similar coverages and features - I pay around $230 through progressive.
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Old 07-30-2014, 09:31 PM   #5
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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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Old 07-31-2014, 01:04 AM   #6
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Quote:
Originally Posted by Paulx213 View Post
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.
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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Old 07-31-2014, 04:12 AM   #7
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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.
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Old 07-31-2014, 05:21 AM   #8
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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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Old 07-31-2014, 09:33 AM   #9
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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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Old 07-31-2014, 11:10 AM   #10
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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.
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