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Old 03-20-2016, 04:21 PM   #31
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Be very careful. I used to have my trailer on my State Farm insurance with my cars and house. Then, one day while talking with my agent, I asked if my Yamaha generators were stolen, if they would be covered. He looked and somehow, my trailer pretty much fell under my home policy. ($1000.00 deductable) so if the generator or anything else happened, wind damage to the awning, etc, It was covered AFTER the deductible. PLUS, there was NO storage option.

We promptly switched to Good Sam insurance. $250.00 deductible and after that, everything is covered. AND, we call Good Sam Insurance when the trailer is parked for the winter and the Collision gets dropped which dramatically dropped my insurance cost for 5 months.
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Old 03-27-2016, 11:37 AM   #32
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Southern NH, all with Progressive, 2015 Nissan Frontier, 2010 Rogue, 2008 Suzuki vstrom 650, and now 2014 sport 8 pup. Cars are under $800/yr, bike ~$140/yr and camper is a whopping $110! So all over the road vehicles are ~1100.
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Old 03-27-2016, 02:50 PM   #33
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We have a TT and have it insured through Geico along with out autos. I don't have it in front of me but they did send us a very detailed explanation of coverages for the TT. The policy also included a pretty decent roadside assistance package.
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Old 03-27-2016, 03:15 PM   #34
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We have everything through USAA. Full coverage for the truck, DW car, TT, Snowmachine and TT; just liability on my son's jeep cherokee. Roadside assistance/towing on all.

I saw a couple of posts from people who have USAA and who said USAA either doesn't cover TT or passed the TT off to a different underwriter. Strange, I don't have that issue at all. USAA is covering everything. Perhaps it is possible they are passing the TT out to a different underwriter (like Progressive) but in the event of anything happening, I only have to deal with USAA.
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Old 03-27-2016, 04:39 PM   #35
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Here is a helpful tip some may find interesting. It applies to people who have the 2500/250 series (3/4 ton) and higher trucks.

If you have roadside assistance/towing coverage, ask your insurance the limitations (if any) on towing your truck.

My dad (lives in Nevada) had State Farm or Farmer's (I don't remember which). In October of 2015, he was coming back from a hunting trip and had some trouble with the front hub on his Ram 2500 4X4. So he pulled off the side of the highway (I-80) about 15 miles out of Lovelock, Nevada. He called for roadside assistance through his insurance. They declined to tow his truck because it was classed as a "heavy duty". They still towed the trailer, and they towed it back to Carson City, Nevada. The truck however, he had to pay out of pocket.
He contacted his insurance agent during business hours and verified he had towing and roadside assistance coverage on his truck, and verified he had been covered for several years. Then his insurance verified the towing coverage did not cover the 2500/250 series and larger trucks unless he paid an additional fee for a higher level towing coverage because those trucks are considered "heavy duty". Needless to say, he was very irate (especially after having paid the premiums for it for several years to cover both his truck and car and the trailer). He also knows that the insurance pulled a fast one because when they run the VIN number the trucks clearly come back with the class of truck they are. Anyway, he dropped them and has now gone through Good Sam Club for all his insurance needs.
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Old 03-27-2016, 06:18 PM   #36
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I have a house, three vehicles, one 17 foot boat and a 21 foot travel trailer. All insured by USAA. I've been with them for 46 years.
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Old 04-03-2016, 11:00 AM   #37
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USAA pointed me to Progressive. $817 a year for a mid level policy. Checking out GoodSams because compared to what I'm reading, thats crazy high.
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Old 04-03-2016, 11:02 AM   #38
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Quote:
Originally Posted by Inthewind View Post
USAA pointed me to Progressive. $817 a year for a mid level policy. Checking out GoodSams because compared to what I'm reading, thats crazy high.
When did they point you? Someone on here said at one point USAA didn't cover trailers but they do now. We use them.
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Old 04-03-2016, 11:57 AM   #39
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We have USAA for car truck and trailer. It may be that someone who is eligible for USAA insurance or has it on their house but not their cars posted.

You need to have the tow vehicle insured with USAA too. It took us three minutes to insure the RV on the phone
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Old 04-03-2016, 04:34 PM   #40
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Quote:
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USAA pointed me to Progressive. $817 a year for a mid level policy. Checking out GoodSams because compared to what I'm reading, thats crazy high.
Check Good Sam. What a HUGE savings over State farm (I have been with State farm for my house, and cars for over 42 years and have been happy with them for our car and home owners insurance...BUY... they were a RIP OFF for travel Trailer insurance. We have a $250.00 deductible and my insurance covers everything. Good part that state farm don't do is when you park it for the winter, they drop the collision and that gives you a good refund. Plus, As mentioned before, State Farm lumps your trailer insurance into your Home Owners Policy which also means a $1,000.00 deductible. Awnings not covered, stolen generators not covered....etc. Good Sam covers it all. We have not had any claims but have been happy with what all is covered.
last year my initial payment was $183.00 for the year. BUT, Then in November when I parked the trailer for the winter and they dropped the collision, I got a refund of: $48.00. That means $135.00 for the year.
This also includes RV Replacement.


Here is the LINK: http://www.nationalgeneral.com/rv-in...s-benefits.asp
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