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Old 04-22-2014, 09:43 PM   #1
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Insurance

Wonder if you folks can give some recommendations for travel trailer insurance.
Do I get it from State Farm which insures our cars or is there specific companies that insure trailers?
Thanks so much!
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Old 04-22-2014, 09:44 PM   #2
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I use the same insurance company that insures my house and vehicles.
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Old 04-22-2014, 09:49 PM   #3
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I'm also with State Farm and have insured our TT with them. I did an online search and got a few quotes from other insurance companies and all were $200+ more expensive. I have a separate towing/roadside assistance through AAA though.
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Old 04-22-2014, 11:30 PM   #4
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We also use the same company that insures the house and vehicles.
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Old 04-22-2014, 11:35 PM   #5
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We have Geico specialized RV insurance. it covers replacement cost and contents. It is much better than "automotive" insurance which isn't that good. Good Sam and some other companies do offer specialized RV insurance. I strongly recommend specialized RV insurance because of the nature of RVs vs. cars.
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Old 04-23-2014, 06:30 AM   #6
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Old 04-23-2014, 07:17 AM   #7
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In a trailers case I don't think you can split the policies with liability coverage. Your TV and TT should be the same provider in a trailers case. Motor home would be a different deal.
Make sure you are getting a specific plan that covers your unit when detached from the TV. Some policies may be written as a rider on the TV and once you unhook you are not covered. I also have Geico and new model year replacement with a roadside assistance plan specific to the trailer and TV.
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Old 04-23-2014, 09:28 AM   #8
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Thanks so much for your help! Awaiting a quote from RV America and for State Farm to call us back.
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Old 04-23-2014, 09:46 AM   #9
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Talking insurance can be like talking motor oil in the old car crowd. Insurance is about protecting your assets and your future. Not just the physical camper in this case but your other assets too if something absolutely horrible would happen. Now I am fully covered under State Farm for all my insurance policies. Reason being is I have an umbrella policy. If I went with a specialty insurance carrier for the camper or my old car the umbrella policy would not cover those items. Now with my old car, I am paying just a little bit more than I would with a specialty insurance carrier, but I am much better covered incase of a horrible accident.

Personally, I would talk with your insurance agent, talk about options and the pros and cons of doing different options. My State Farm agent was very good and took the time to explain my coverage, exemptions, loop holes and so for. At the end of the day she did not pressure me to stay. But gave me a lot of good info to my research in looking at options.
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Old 04-23-2014, 10:24 AM   #10
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USAA insures me, my TT, home, auto, etc, etc.....
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