Jayco RV Owners Forum
 


Reply
 
Thread Tools Display Modes
 
Old 09-13-2011, 11:30 AM   #11
Site Team
 
Crabman's Avatar
 
Join Date: Nov 2010
Location: Virginia`s Eastern Shore
Posts: 14,655
Mine covers full replacement value, contents, liability, 1000 disappearing deductible which reduces by 250 per year til gone. As said many factors go into the premium costs including where you live and your driving record. I have mine with Progressive and it is a separate RV policy from my vehicle policies.
__________________

__________________
2017 Coachmen Catalina 283RKS
2004 Chevy 2500 HD CC 6.0l
2010 Jayflight 28BHS (sold)
Crabman is offline   Reply With Quote
Old 09-13-2011, 01:01 PM   #12
Senior Member
 
3'senough's Avatar
 
Join Date: Sep 2010
Location: New York
Posts: 2,072
I have a Geico RV specific policy which covers full replacement if totaled at current prices whether towing or not. It also covers road side assitance, inside RV medical, rental and lodging assitance while on vaca, lockout service, campground liability, awning coverage as well as some other things.

Many rider policys as mentioned above will not cover the trailer in the event the event occured while un hooked.

Storage location also plays a roll as well. RV specific policys are higher yes but the level of coverage is greater in the event of an accident or damage from a weather related event. My policy is about a tank of fuel higher than the bare bones coverage in my area but I know that I am covered for everything. My suggestion would be that all find out what your policy covers in the "what if scenarios" before your next trip. Some may be surprised at just how exposed you can be with some of the policys offered out there.

Forget the total costs that are being mentioned as each is specifc to your policy plans, credit, unit, history, DD course discount, options, company and a host of other factors.

The real question that should be asked is how covered are you? Can you pay for a major collision and come away with your unit and TV fixed or replaced in almost all scenarios with limted OOP expenses other than your deductable? My answer is yes based on my policy.

Also what happens if a tree falls on your unit in the campground? Or any damage for that matter?

The last policy I had was a rider on the TV due to my ignorance at the time. The gentlemen who bought my last unit was an insurance broker and he was kind enough to advise me of the limited policys and just how exposed you can be with them.

Ins is hard to pay for and you hope you never need it, but if you do...are you covered?
__________________

__________________

2014 375 BHFS Eagle Premier
2014 Ram 3500 Longhorn DRW CC
6.7 CTD, Aisin, 4.10's
Yamaha EF3000iSEB
3'senough is offline   Reply With Quote
Old 09-13-2011, 01:35 PM   #13
Junior Member
 
Join Date: Aug 2011
Posts: 26
Quote:
Originally Posted by Grumpygp View Post
delongboy, Liability on your trailer only covers it when being towed by the tow vehicle (attached to said vehicle) not set up at a campground !
Liability covers you against being sued from the trailer damaging property or injuring someone. I don't think the chances of that happening while set up at a campground are very high. As far as a tree falling on it or other types of weather damage, that is covered under comprehensive.
__________________
2008 GMC Yukon XL Denali 6.2
2004 Jayco Jayflight 27BH
delongboy is offline   Reply With Quote
Old 09-13-2011, 02:06 PM   #14
Member
 
jeeperx2's Avatar
 
Join Date: Jul 2011
Location: Des Moines, Iowa
Posts: 56
Quote:
Originally Posted by delongboy View Post
Liability covers you against being sued from the trailer damaging property or injuring someone. I don't think the chances of that happening while set up at a campground are very high. As far as a tree falling on it or other types of weather damage, that is covered under comprehensive.
not doubting you in any way - but heres my question - what if a freind was visiting you at the cg and fell and got hurt....say leaving your trailer? are you protected with your coverage?
__________________
1988 chevy c3500 dually:freak:
2010 Eagle 324BHDS
EU3000is honda generator
Reese Dual Cam 1200# WD Hitch
jeeperx2 is offline   Reply With Quote
Old 09-13-2011, 02:37 PM   #15
Junior Member
 
Join Date: Aug 2011
Posts: 26
Quote:
Originally Posted by jeeperx2 View Post
not doubting you in any way - but heres my question - what if a freind was visiting you at the cg and fell and got hurt....say leaving your trailer? are you protected with your coverage?
I would have to say, I'm probably not covered in that situation. I guess I will have to be careful what kind of "friends" I allow in my camper.
__________________
2008 GMC Yukon XL Denali 6.2
2004 Jayco Jayflight 27BH
delongboy is offline   Reply With Quote
Old 09-13-2011, 03:31 PM   #16
Senior Member
 
rodro123's Avatar
 
Join Date: Sep 2010
Location: Wisconsin
Posts: 458
Quote:
Originally Posted by delongboy View Post
Liability covers you against being sued from the trailer damaging property or injuring someone. I don't think the chances of that happening while set up at a campground are very high. As far as a tree falling on it or other types of weather damage, that is covered under comprehensive.

I like the idea of full coverage for myself. If something was to happen I know I'm covered. I also have a 2 million dollar umbrella over the house, cars, truck, TT, boat.

I remember reading a story several years ago about a family that lived in a condo complex to make a long story short they had a fire that was an accident on the stove that caused a fire that totaly destroyed the entire complex. Well the structure was covered and the familys contents but not the contents of the other units. They had to file for bankruptcy protection.
For only 1.2 million.....Freaky accident but they happen.
__________________
Rod & Linda From Wisconsin
1- Labs (Ronnie)
2018 Eagle 330 RSTS
2015 Chevy Silverrado 2500
14,000#/1400 Equal-i-zer 4-way sway bars
rodro123 is offline   Reply With Quote
Old 09-14-2011, 08:05 AM   #17
Senior Member
 
LBL 1206's Avatar
 
Join Date: Aug 2011
Location: Land Between the Lakes, Tn
Posts: 282
Thanx for the responses and input. We decided to just go ahead and get the full coverage w/USAA-Progressive. USAA is what we have everything we own covered with. Reason I questioned this to begin with was, our 2010 Jayco 1206 popup which cost/valued $11k when we bought it new last yr and this new one which cost only $15 more, is the big gap in premium cost. I thought it would be based on cost/value of the unit. We paid $100 premium for the 1206 model. I was wrong on this logic. Oh well, $200 dollars isn't going to make or break me. I just can't rationalize the difference in price based on the cost/value of the units. Well, both are paid in full. That's a good thing. LOL! <l:-)--< Thanx again for the replies!
LBL 1206 is offline   Reply With Quote
Old 09-14-2011, 08:47 AM   #18
Senior Member
 
3'senough's Avatar
 
Join Date: Sep 2010
Location: New York
Posts: 2,072
Maybe the difference is being calculated on how your plan is currently set vs your orginal policy? Full replacement vs replacement at current market? Meaning that your first unit would be replaced at the current market price for the 2010 model in your market, where the new unit might be underwritten as replaced at current new cost for the exact or comparable unit if totaled. In my case it was only a $60.00 difference between the 2. You might want to look over your original policy and see why. For it to be double the cost something may have been underwritten differently between the 2 policys.
__________________

2014 375 BHFS Eagle Premier
2014 Ram 3500 Longhorn DRW CC
6.7 CTD, Aisin, 4.10's
Yamaha EF3000iSEB
3'senough is offline   Reply With Quote
Old 09-14-2011, 04:12 PM   #19
Senior Member
 
Join Date: Oct 2010
Location: Merrimack NH
Posts: 804
lbl 1206 I have SF & I pay $17.00 per mo. with comprehensive w/ 100.00 deductable and collision w/ $ 500.00 deductable ( we get a discount due to 4 vehicles, homeowners, safe drivers, and umbrella policies) . Larry. ps Just as an fyi my SF homeowners paid for a new roof, on a pup ,when a branch went thru it during a winter storm a few years ago. Check with your agent to see what you need & what you can afford.
__________________
Larry & Rachel Demers 2013 F150 Eco Boost Super Cab 6.5 bed 6 sp. 3.31 4x4
29BHS ECO is offline   Reply With Quote
Old 09-14-2011, 08:45 PM   #20
Senior Member
 
rodro123's Avatar
 
Join Date: Sep 2010
Location: Wisconsin
Posts: 458
Quote:
Originally Posted by 19H F250 View Post
lbl 1206 I have SF & I pay $17.00 per mo. with comprehensive w/ 100.00 deductable and collision w/ $ 500.00 deductable ( we get a discount due to 4 vehicles, homeowners, safe drivers, and umbrella policies) . Larry. ps Just as an fyi my SF homeowners paid for a new roof, on a pup ,when a branch went thru it during a winter storm a few years ago. Check with your agent to see what you need & what you can afford.
You do know that if you pay up all policys for the year you get a big discount on all rather then paying by the month,,,,,As far as I know the only company that allows car and trucks by the year with a big discount is american family may there are others but I never found one......Let me know if I'm wrong
__________________

__________________
Rod & Linda From Wisconsin
1- Labs (Ronnie)
2018 Eagle 330 RSTS
2015 Chevy Silverrado 2500
14,000#/1400 Equal-i-zer 4-way sway bars
rodro123 is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Virginia State Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -6. The time now is 11:39 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Copyright 2002-2016 Social Knowledge, LLC All Rights Reserved.