Insurance Primer for Newbies Needed - Fiberglass RV


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 02-27-2003, 06:33 AM   #1
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Insurance Primer for Newbies Needed

I put insurance in the search engine and learned a lot about how much I need a good towing policy! What I'd like to know is how to insure the egg itself. I added it to the car insurance but when I asked about insuring contents, the rep said my homeowners covers that. So, this means I need trailer insurance for towing, collision, and loss/theft from three different companies? :conf
__________________

__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 06:45 AM   #2
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Hi Susan
Up here where I live We get our plates and insurance from the same place.Its a government run policy.I get my home insurance from the same outlet but it is not government.In winter I have what is called a sitting policy for my RV. In summer or camping season I renew my plates and insurance policy for the 6 month season.:wave
__________________

__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 08:37 AM   #3
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Make sure you tell your homeowners policy holder about your TT contents.
__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 08:39 AM   #4
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Hi Susan

You're right on our insurance woes. I just went through updating all of my insurance policies.

At least in my state, the only insurance you place on your trailer is collision and comprehensive. The liability and all the other items you normally see on the auto insurance ''declaration page'' are covered by the tow vehicle. If you use your trailer seasonally, you may even elect to insure it only for the months that you are using it. We won't activate our trailer insurance until April or May when we bring it out of the garage. You can buy your trailer insurance from another company such as Good Sams (GMAC insurance), but I just found they were much more expensive than adding on to my regular auto policy. GMAC wasn't even close for a package of insurance, but those things change by where you live.

I think your homeowners (or renters) insurance will cover your personal contents in the trailer--at least that is the case with our insurance. You should confirm that with your homeowners agent.

As to towing, after 35 years with AAA, we dumped them this month because of their lousy record with trailers. Many friends had horror stories about being left on their own, even with the AAA RV-plus, as we had. When we only had a car to be considered, AAA was always great, but I did not look forward to having our trailer left someplace in the Utah desert! Good Sams seems to be the reasonable choice for road service, if you have a trailer or RV.

At best, insurance is frustrating. Just a necessary evil!
__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 10:52 AM   #5
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
What really ticks me off is our trailer is insured by itself when sitting. When under tow it is insured under the van....BUT....the contents of the trailer are insured under the house insurance. This means if the trailer and contents get totalled we end up paying two deductables. :splat I think its a rip off but we have to have insurance?
Nancy
__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 11:44 AM   #6
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Allstate

Be sure to check Allstate's RV Roadhelp policy for emergency insurance. Seems a pretty good program.
__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 04:05 PM   #7
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Insurance plus

I just got insurance in Florida. Progressive, GMAC and others wanted around $400 to $450 to add or just to cover the Casita. I got a policy from a company here in Florida (Mentone (sp?) they specialize in RVs)for replacement value (2000 SD) plus a few odds and ends (unexpected accident trip insurance and something else) with a $500 deductable for $275.00. I did some research into the breakdown towing options and selected Good Sam's road service @ $79.00.
__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 04:34 PM   #8
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Full replacement value, newer units

Bill, you made an excellent point about the ''full replacement'' value on the trailer. Most companies seem to offer it, some with a small additional charge. (And some not at all.) The companies that I talked to only offered it for the latest five (model) years, (i.e. '99-'03) and after that it probably goes to NADA or some other ridiculous standard rather than full replacement in a total loss.

I presume the rate you were quoted was for a full year rather than 6 months. Mine's $120 for six months, which kind of ticked me, because last year it was only $60/six months. But considering homeowners, vehicle ins. and umbrella from one outfit, I got a much better total price, even with the jump in trailer premium.

With all insurance premiums seemingly going to h--l on a sled, it pays to shop your insurance every couple of years, at least, being sure you stay with a good carrier.
__________________
Legacy Posts is offline   Reply With Quote
Old 02-27-2003, 09:09 PM   #9
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Insurance

I added my Casita to my Allstate auto policy for $76. for six months. That includes replacement cost collision, comprehensive, and $2000 contents. It is $250 deductible. I don't store the trailer at the house, so my home owners policy may not cover it.
__________________
Legacy Posts is offline   Reply With Quote
Old 02-28-2003, 06:17 AM   #10
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Thanks so much for all your input folks! What a silly complicated system.
__________________
Legacy Posts is offline   Reply With Quote
Old 02-28-2003, 11:42 AM   #11
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
I just popped for the Affinity roadside assistance package, for $79.00. I've never once broken down on the road, in several hundred thousand miles, and I figured blowing $79 would be a good way to ensure that I never do. Could only happen if I'm not covered for it, right? Seriously, I'll plan to break down on my next trip out, and I'll let y'all know how it went.
__________________
Legacy Posts is offline   Reply With Quote
Old 02-28-2003, 01:10 PM   #12
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
State Farm insures my trailer for 12 months for $160 or so.

Liability falls under automobile.

Contents fall under homeowners ... something like they figure 10% of the contents insurance.

Good Sam's road side assistance is the only way to go for towing. They'll tow your disabled tow vehicle to one place ... and your trailer to the nearest campground.

Nancy, I never thought about the "two deductable" situation! Dang, just like the marriage penalty in the US tax code!
__________________
Legacy Posts is offline   Reply With Quote
Old 02-28-2003, 01:12 PM   #13
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Note to you folks who insure for only "6 months."

Come on now!

Why are you only using your rig half time?????

When the going gets tough, the tough get going (camping, that is).
__________________
Legacy Posts is offline   Reply With Quote
Old 02-28-2003, 05:21 PM   #14
Senior Member
 
Trailer: No Trailer Yet
Posts: 18,870
Bigfoot Insurance

We've basically only got one place to go for TT (road) insurance here in BC and that's ICBC (government). It costs us about 60 bucks for a full year. Now the Durango is different. Maximum discount and I still pay 1800 bucks a year. 300 bucks more than it cost me new. The trailer is cheap! :)


P.S. Ches is buried under 12 feet of snow for 8 months of the year so he should only insure his TT for road use monthly.......lol :o
__________________

__________________
Legacy Posts is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
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


Similar Threads
Thread Thread Starter Forum Replies Last Post
Tips for Newbies. Roger C H Care and Feeding of Molded Fiberglass Trailers 33 08-20-2010 11:03 PM
flat black primer Lee Trenholm Care and Feeding of Molded Fiberglass Trailers 10 05-06-2008 11:36 PM
So many confusing choices for newbies Frank G. Care and Feeding of Molded Fiberglass Trailers 21 03-16-2007 01:15 AM
Tips for NEWBIES Legacy Posts General Chat 22 05-27-2003 11:13 AM
Newbies Saying "Hello!" General Chat 0 12-31-1969 07:00 PM

» Upcoming Events
No events scheduled in
the next 465 days.
» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 05:08 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.