Trying to find Insurance for my 1972 Boler - Fiberglass RV


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Old 12-03-2019, 01:58 PM   #1
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Name: Marie
Trailer: Boler
Arizona
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Trying to find Insurance for my 1972 Boler

Does anyone have a recommendation for insuring my refurbished Egg for an agreed-upon value? It's a 1972 Boler 1300 and I live in AZ. I've tried Progressive, Nationwide, Haggerty, RV America, Grundy and Chubb. They want to insure it for the $4k I paid for it originally. I have close to $18k into it (don't laugh). I just want to protect it in case of total loss for about $15k. Thanks guys!
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Old 12-03-2019, 03:05 PM   #2
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Name: K C
Trailer: 1971 Trailswest Campster
Washington
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Originally Posted by MarieC View Post
Does anyone have a recommendation for insuring my refurbished Egg for an agreed-upon value? It's a 1972 Boler 1300 and I live in AZ. I've tried Progressive, Nationwide, Haggerty, RV America, Grundy and Chubb. They want to insure it for the $4k I paid for it originally. I have close to $18k into it (don't laugh). I just want to protect it in case of total loss for about $15k. Thanks guys!
Insurance for vehicles does not work the way you are hoping.

Just remember that insurance companies deal with a lot of people attempting to defraud them. So of course they are not going to believe your claim for 15K on a trailer that is typically valued at 4K. You will have to find a company that specializes in writing alternative policies and it won't be an auto insurance company. Then you are going to have to document everything, have it appraised by an agent of the insurance company, etc.
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Old 12-03-2019, 09:12 PM   #3
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Name: John
Trailer: 1978 Trillium 4500, 1979 Boler 1700
Michigan
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See this link at Tin Can Tourists website:

https://tincantourists.com/trailer-insurance/

As stated in the above link, FCIS (Farm and City Insurance Services) in Forest City Iowa will provide an agreed value policy after you provide them with a professional appraisal.
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Old 12-04-2019, 11:14 AM   #4
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Name: sharon
Trailer: Scamp
Virginia
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try state farm?
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Old 12-04-2019, 03:59 PM   #5
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Name: Kathleen (Kai: ai as in wait)
Trailer: Amerigo FG-16 1973 "Peanut"
Greater Seattle Metropolitan Area, Washington
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I don't know if our insurance company works in Arizona, but they've insured Peanut for the $10,000 we have in it, based on some for sale on the internet that were comparable in age and asking price.

It's not much cost, anyway, compared to auto insurance, and they said they frankly have not had a trailer claim yet. Which is good news, really.

It's the Secord Agency in Seattle, WA. 1-206-783-4024.

Someone else on FGRV got trailer insurance through them when I referred them...but I'm not sure what state.

Good luck. We've been satisfied with our coverage through them (they broker a number of companies--the one they helped us choose is MetLife and covers our car, trailer, and house).

BEST
"K"

On the other hand, we haven't made a claim other than a broken car window, which they handled fine.

So who knows? Their people are personable and seem to know their business.
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Old Yesterday, 11:10 AM   #6
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Name: Redwood Scamper
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California
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Insurance

State Farm insured my 1976 Scamp.
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Old Yesterday, 11:36 AM   #7
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Name: Adam
Trailer: Trillium
Alberta
Posts: 29
Would it be possible to add it as an addition to your home insurance?

Where I live, my trailer isn't even insured as a vehicle. It's an addition to my home insurance policy, by default (presumably, if I was renting, it'd be part of my tenant's insurance). It's registered as a "permanent trailer" and has no insurance requirements, because it's not a vehicle.

Obviously, the law varies by jurisdiction, but adding it on to your home insurance, similar to how you might add a separate clause for an expensive engagement ring, may be worth looking into even if you still have to have normal vehicle insurance which will only ever value it at the original purchase price.
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Old Yesterday, 12:30 PM   #8
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Name: Phil
Trailer: Escape
Minnesota
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Will second the vote for Met Life. Been with them for about 40 years and always satisfied. Not cheapest, but best service and fair on claims.
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Old Yesterday, 12:33 PM   #9
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Name: RogerDat
Trailer: 77 Scamp 13
Michigan
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Use our for sale listings and fiberglassRV4Sale.com (I think that is the site) to find comparable listings. Print those off. Best done well in advance, spring when prices tend to be higher is also good. Keep those on file in case of a claim being needed. First thing a claims adjuster will do is look up "value" and offer payment or repair based on that. Having paperwork to show "real" value can help cut through some hassle.

Get an appraisal of the current value. You may have to hunt for an appraiser that can accurately and fairly assess your campers value.

Now for the possible bad news. Doesn't really matter what you spent, it matters what the market value of the finished camper is. One can spend way more on enhancements and repairs than the underlying item can support. You might have a body off complete frame re-build but it only adds the same value as same model with a functional frame in good condition. Despite the cost of the frame re-build possibly being significant amount of money.

You can easily spend more on home, vehicle, or RV than the items resale value can ever cover. I had a niece who put $10k into the bathroom in a $30k house. Really nice bathroom but did not make it a $40k house. A sink, tub, and toilet are expected, nice ones add some value but only up to a point. Receipts would have allowed for replacement in the event of a fire but only up to the value of the house not the house plus $10k spent on bathroom.

Only way to get the value from putting value added investment into something is for you to keep it and use it. Market won't necessarily pay you back for it. Insurance company may not insure you against the amount spent above market value.
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Old Yesterday, 03:14 PM   #10
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Name: Alan
Trailer: 2010 Little Joe / 2010 2 Dr Jeep Wrangler
Colorado
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I have Allstate
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