Travel Trailer Insurance ??? - Page 2 - Fiberglass RV


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Old 04-07-2014, 06:43 PM   #15
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Name: Donna D
Trailer: Escape 5.0 TA, 2014
Oregon
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Originally Posted by Carol H View Post
For those who don't insure their trailers what happens if the trailer is stolen or if your house goes up in smoke and the trailer goes with it?
Frankly, I'd be SOL. I believe it was Pete Dumbleton (RIP) that lead me down this non-insured path when he stated. At what point is the dollars to insure not worth it when you know what you paid and the replacement cost. I have five motor vehicles, four are at home. One is fully insured (daily driver) and one is covered for comprehesive only (off site), the rest.... I could spend major bucks on insurance every month, which is just a safety net. I choose not to YMMV. However, my new 5er will be fully insured until it too reaches that tipping point. Insurance costs are going up, just like everything.

As a single driver in the home, I've even talked to my insurance agent about covering my vehicles only for comprehension and covering ME for the liability. HA, like you can convince an insurance company to give a consumer a break.
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Old 04-07-2014, 06:47 PM   #16
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Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
British Columbia
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Which is why I cancelled life insurance.
Depreciation of the insured and can't get replacement insurance.
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Old 04-07-2014, 08:10 PM   #17
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Exactly Glenn. My death will never be a retirement plan for someone else. Insurance is a lot like the stock market. Plan your risks, take your chances.
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Old 04-07-2014, 08:12 PM   #18
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Name: Carol
Trailer: 22' Airstream Formerly 16' Scamp
British Columbia
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I understand Donna, I actually saved a couple of hundred in home insurance this year by self insuring two of the bikes in my home.
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Old 04-13-2014, 12:32 PM   #19
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Name: Russ
Trailer: Scamp 16' side dinette, Airstream Safari 19'
California
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I insured my 2003 Scamp right after the purchase a couple of years ago. The premium isn't a lot, and I had forgotten about it being insured. After the awning being destroyed in Moab last year I called the insurance company to see if it was covered. They covered the loss which was about $1500.00! The liability side hasn't been tested yet.
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Old 05-15-2014, 05:38 PM   #20
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Name: Nate
Trailer: Scamp 13
Nevada
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I added my 85' scamp onto my auto insurance policy with progressive. It's covered to $6000 with a $50 deductible. My premium only went up $38 per year, that's $3.16 per month. Well worth it in my opinion.
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Old 07-13-2014, 11:03 PM   #21
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Name: Anne
Trailer: 1973 Hunter Compact II
California
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I was told that in order to park in the RV lot of the mobile home park where I live I must show proof of insurance with $100,000 liability and have park as additional insured. My auto ins (State Farm) covers the trailer only when actually hitched to my vehicle. They do not issue riders to include coverage when unhitched. So they transferred me to the RV insurer. They would cover my trailer when being used as a vacation home ( i.e. unhitched at a campsite) for $120/yr but that would NOT cover liability when parked in storage. An online quote from either Progressive or Good Sam was about the same price but not clear whether liability in storage was included.
I was then transferred to full-time RV insurer, which was Foremost (the company I have always used for mobile home insurance). They cover liability, replacement cost, contents, and medical claims when in use or in storage. $100,000 liability for my 1973 Compact II (with comp/collision but excluding road service) is $100/year. What a lot of hassle for the privilege of paying $65/month in storage fees!
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Old 07-13-2014, 11:50 PM   #22
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Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
British Columbia
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You live in a most litigious country. To have only $100,000 liability would keep me awake nights.
I have three million liability on the tow vehicle and three million on the trailer.
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Old 07-14-2014, 01:18 AM   #23
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3 million each ????? The most anyone I know has is 1 million. What kind of lawyers do you have in BC ?
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Old 07-14-2014, 10:51 AM   #24
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Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
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Nothing to do with lawyers.
What do you think it costs for a person to live comfortably for another, say 40 years, when they have a broken neck? Wheelchairs, properly equipped vehicle, mods to the home, loss of income...
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Old 07-14-2014, 11:03 AM   #25
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Name: Norm and Ginny
Trailer: Scamp 16
Florida
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The amount of insurance one buys in some measure seems to be personal choice. Ginny's big on insurance; me not so much. That said, we carry a general liability policy, not specific to the tow vehicle.
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Old 07-14-2014, 11:39 AM   #26
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Name: Steve
Trailer: Scamp 13
California
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With 6 million in insurance coverage don't you become the deep pockets target? Hope nothing bad ever happens but the lawyers gotta love you.
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Old 07-14-2014, 12:13 PM   #27
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Name: kevin
Trailer: 13' Scamp
Colorado
Posts: 170
Insurance

You want your insurance coverage to be more than your personal assets otherwise you become the deep pockets. If you have no assets, you can keep the maximums lower, screwing over anybody you harm. Of course if you end up needing the insurance, the only person you have screwed is yourself.

An umbrella policy is the way to go and are generally pretty cheap.
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Old 07-14-2014, 01:14 PM   #28
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Name: Lesa
Trailer: 1983 13' Scamp
South Dakota
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Call Ms Bobbie at Escapes Bancorp South she can get you straight! (936) 327-5626
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