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Old 02-02-2015, 08:38 PM   #21
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I have Progressive for my new Grayhawk and had it with my Airstream. Happy with service and price...
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Old 02-02-2015, 10:44 PM   #22
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We have Erie insurance on house vehicles and trailer. Trailer is less than $200 a year.
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Old 02-03-2015, 09:00 AM   #23
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I just spoke with my insurance agent (Farmers). He told me my trailer insurance was an add on to my vehicle, and that it was only covered when it's hooked up. He suggested I purchase a separate policy, and it would be through Foremost. When I asked him about that company, he said Farmers bought Foremost about 15 years ago and it was a good company.
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Old 02-03-2015, 12:51 PM   #24
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Poppy your agent is correct. I have Farmer too with Foremost as a rider. Had two claims on my previous trailer and was very satisfied with the coverage. It is a good company.
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Old 02-03-2015, 01:12 PM   #25
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I would get a clarification from your agent.

Most Liability is covered by your auto policy if the trailer is under tow but the collision and comprehensive are a separate policy in my area.

Also sometimes your homeowners policy will cover a loss on the trailer if it is parked in your yard.
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Old 03-19-2015, 07:14 PM   #26
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i just called State Farm today and added our 2015 26BHS. $330 a year, $1000 deductible, full replacement value. the policy basically covers everything under the sun. theft, flood, fire, hail...the whole 9.

i asked about the different options such as covering under homeowners when it's parked at home, and covering under our auto when i'm towing it. in the end i just went ahead and bought the separate policy. $28/month for peace of mind is money well spent in my opinion.
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Old 03-19-2015, 07:38 PM   #27
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Quote:
Originally Posted by SouthCo View Post
We have Erie insurance on house vehicles and trailer. Trailer is less than $200 a year.

Same here. Trailer coverage was very reasonable with Erie since we already had them as our vehicle insurer.
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Old 03-19-2015, 08:03 PM   #28
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Ouch... $600 a year for a trailer? I just got a full coverage quote for my 2015 29QBS for $170 a year from Erie. That includes road side service.


Even better, since we have our home and vehicles through Erie, adding the trailer reduced our overall payments by MORE than the cost of the RV insurance!!!
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Old 03-19-2015, 10:17 PM   #29
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If your trailer is park at your home., your home Ins covers your TT. When on the road your TT Ins takes over. I was told that by Farmers Ins.
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Old 03-20-2015, 07:54 AM   #30
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In your driveway, if a passerby trip over the tongue and hurts himself, or if someone breaks in and steals a portable TV, your homeowner's insurance might cover the liability or theft, if you don't have TT insurance. But if the trailer burns to the ground, you wouldn't be covered.

If you DO have TT insurance, the issues noted above would go directly to the TT insurance.
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