Travel Trailer Insurance ??? - Page 10 - Fiberglass RV


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Old 05-18-2016, 09:12 AM   #127
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Name: Sergey
Trailer: 2014 Scamp 16 layout 4
SW Florida
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Originally Posted by Uplander View Post
Insurance gives me a headache and most policies seem to protect the insurance company more than the RV owner.
Why do you expect something else? Insurance is for profit business, their main goal is to keep shareholders happy.
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Old 07-04-2016, 08:18 AM   #128
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Name: Lynn
Trailer: 2013 Casita Spirit Deluxe 17, purchased from original owners May, 2016
Massachusetts
Posts: 320
I meant to update this discussion but never got back to it. In a nutshell:

- Our auto insurance with Safety (a Massachusetts company) will cover the trailer only when it is attached to your tow vehicle.

- The only company that seems to insure (unattached) travel trailers in Massachusetts is Foremost.

- Our Umbrella liability policy will add liability insurance (up to $1 million, I think), depending on the amount of your 'Underlying' insurance. So to get the maximum we had to insure with Foremost for $500k. Cost: $479.

This is a very expensive state, in more ways than one.

But let us be grateful we can celebrate our Independence and freedom today, July 4th.

/Mr Lynn
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Old 08-19-2016, 12:50 PM   #129
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Name: Robert
Trailer: Casita 17' Liberty Deluxe
Colorado
Posts: 6
Casita Insurance

Thought I'd add my experience...
We specified a replacement value for our 2014 Liberty Dlx because we added numerous mods and upgrades (solar, shocks, etc.).

We use MetLife in Colorado. We have Auto & Home with them. Annual cost for full coverage is $148. This includes replacement value of $21,000, Comprehensive and Liability.
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Old 08-22-2016, 12:24 PM   #130
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Name: Emily
Trailer: Scamp
Colorado
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Originally Posted by LyleB View Post
I got a State Farm Travel Trailer policy for $78/year. Covers replacement cost up to original purchase price for theft, fire, natural disaster, etc. Liability is covered by tow vehicle policy while hooked to the tow vehicle. I asked about liability when the trailer is not hooked to the tow vehicle and gave the example of someone falling if a step failed when entering or exiting. The agent could not answer, said they had never been asked that, and had been insuring a fair number of trailers for years. They did contact State Farm and were assured that my homeowners policy liability extends to the trailer when camping.estimate.
This is what we have, with State Farm, as well. We also have an umbrella liability policy ($168 per year) that covers us in any situation,up to one million dollars. Our agent also said to keep receipts for any improvements that we do and any comps that we see that are similar to ours. Those would be used in order make sure we receive actual replacement value instead of purchase price should the camper ever end up totaled.
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Old 08-22-2016, 06:06 PM   #131
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Name: Darwin
Trailer: 2002 19 ft Scamp 19 ft 5th Wheel
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Go to Good Sam and get camper insurance and Forgetabout.
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Old 08-22-2016, 06:13 PM   #132
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Name: Glenn
Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
British Columbia
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Go to Good Sam and get camper insurance and Forgetabout.
That is pretty much the worst advice I've seen on this forum since I joined.
You need to shop around and you need to know what you are getting for your money. Compare policies.
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Old 08-22-2016, 06:28 PM   #133
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Name: Darwin
Trailer: 2002 19 ft Scamp 19 ft 5th Wheel
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Good Sam sells Camper insurance that covers the camper and will cover replacement costs and so on. Motorized Vehicle insurance simply does not cover the camper like Good Sam does. Check with your vehicle insurance agent, ask that person all your camper related questions then talk to good Sam. The insurance posts throughout the years have shown that vehicle insurers just don't cover the camper adaquately.

http://www.goodsamrvinsurance.com/?mc=WW
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Old 08-22-2016, 06:43 PM   #134
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Name: bob
Trailer: 1984 u-haul ct13; 1996 Casita 17 Spirit Deluxe; 1946 Modernistic teardrop
New York
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Originally Posted by Darwin Maring View Post
Go to Good Sam and get camper insurance and Forgetabout.
I believe Good Sam has an age limit, they won't insure anything over 8 years old. They called me one time trying to sell insurance. When I told them our trailer was a 1996, it was "thank you, goodbye". I think they want to insure the new big rigs mainly.
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Old 08-23-2016, 06:45 AM   #135
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Name: Lynn
Trailer: 2013 Casita Spirit Deluxe 17, purchased from original owners May, 2016
Massachusetts
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Good Sam doesn't sell insurance in Massachusetts.

/Mr Lynn
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Old 08-23-2016, 05:30 PM   #136
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Name: Darwin
Trailer: 2002 19 ft Scamp 19 ft 5th Wheel
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There is a full replacement age limit. It does not cost to get a quote. Try it out and let us know.
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Old 05-22-2017, 09:35 AM   #137
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Name: Joyce
Trailer: Casita
North Carolina
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State farm added to our coverage for $120/6mos valued at our purchase price. Collision, comp & awning. Liability covered by tow vehicle policy.
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Old 06-03-2017, 07:06 PM   #138
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Name: Roy
Trailer: 1972 boler American and 1979 Trillium 4500
Ontario
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For the Canadians

We just reviewed our insurance since they said my truck was too old for comprehensive. Which meant the trailers were not insured while towing with the truck any more.

We were able to add the trailers separately for comprehensive and all perils. Bear in mind we got a multi product discount for having 2 vehicles, the house and 2 trailers all insured. 30 something years with the same insurer and no major claims.

Our broker could not add the trailers through his online system because of their age. I gave him a reasonable value of $7G each and a link to Greg A's site https://www.fiberglass-rv-4sale.com/ He sent that off to Wawanesa in Winnipeg and they came back with a quote of $89 each per year. (plus taxes)

I'm thinking Greg's site and the ins. co. being from the land of the boler were all it took to bypass some of the issues others face. (namely valuation)

I really did not want to go through the appraisal process every few years. I did that years ago with an antique car and that was a real pain.
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Old 06-05-2017, 01:03 AM   #139
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Name: Karen L.
Trailer: 1982 Burro 13 ft (My Burrito!)
Washington
Posts: 67
I have State Farm Insurance for my "Burrito"! (1982 13" Burro) I have paid $28.00/yr since purchasing it in 1988.. I had a blow out on one of my tires that put a hole in the lower area but they totally fixed it! I couldn't be happier with State Farm!
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Old 06-05-2017, 06:51 AM   #140
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Name: bill
Trailer: 2013 Escape 19
North Carolina
Posts: 344
State Farm on our 2013 Escape was over $400, and they couldn't figure out what trailer it was. They thought it was a cheaper KZ Escape (stick built). Will be pricing out other companies ASAP.
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