Travel Trailer Insurance ??? - Page 5 - Fiberglass RV


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Old 12-26-2014, 07:25 PM   #57
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Name: Donna D
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I'm with Glenn, it's not what you pay each month/year for insurance... it's what the insurance company PAYS OUT! Check the fine print. If your insurance company mentions NADA... RUN, RUN FAST!
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Old 12-26-2014, 11:51 PM   #58
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Cool Insurance

There are two types of insurance, liability and comprehensive.

I am confused by some posts about which type they are talking about.

Of course you should never go without liability.
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Old 12-27-2014, 07:40 PM   #59
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Trailer: 1982 Burro 13 ft (My Burrito!)
Washington
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I have asked my agent repeated over the years, & he has reassured me it's for everything, including replacement if wrecked or stolen!! That's reassurance for me!!I've been with them from the minute I bought my trailer!! (1989 or 90!)
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Old 12-27-2014, 07:42 PM   #60
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Donna!! What is NADA?
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Old 12-27-2014, 07:49 PM   #61
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Originally Posted by Karen L. View Post
I have asked my agent repeated over the years, & he has reassured me it's for everything
Never mind what the agents says. What does your policy say?
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Old 12-28-2014, 06:30 AM   #62
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Donna!! What is NADA?
North American Dealer Association, they provide estimated vehicle and RV prices at New Car Prices and Used Car Book Values - NADAguides
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Old 12-28-2014, 09:20 AM   #63
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Name: Patrick
Trailer: R-Vision Trail Lite
New York
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Your major concern should be liability coverage. Two friends, a judge and an attorney , both strongly suggested I carry a million dollar Umbrella Policy as part of my insurance package. This type of insurance kicks in when all your standard policies have been exhausted in a legal action.the only way to obtain this type of coverage is to insure your home, auto and anything else such as travel trailer RV or second home etc. through the same insurance company...then and only then will that company issue you an Umbrella Policy. A million might seem high but court judgements can even exceed that amount.

Good news is these policies are very low in cost. Having one protects your estate from being consumed in a liability lawsuit leaving you bankrupt.

You can always replace your RV but rebuilding a lifetime of estate building and your life's savings is another matter.
If you have an insurance agent and he has never mentioned an Umbrella Policy you might look for another agent who has your best interests in mind.

Happy Camping !
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Old 12-28-2014, 09:30 AM   #64
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I'd get one of those umbrella policies, if I had an estate to protect... LOL. Those who have little, have little to lose. Not that I'm arguing against the umbrella policies, they're a good thing.
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Old 01-09-2015, 03:54 PM   #65
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Trailer: Trillium 1300 (1980)
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strange insurance rule

Other members have used this broker and had good service:

Wayfarer Insurance Brokers Ltd.
308 Bay Street, Box 160
Beaverton, Ontario, L0K 1A0

So I called today to get insurance on my 1980 Trillium. I spoke with Amy. The first question she asked was:

"Does it have a bathroom."

Me: "Ummm...no...but it has a porta potty..."

Her: "We can't insure it."

Me: "Come again?"

Her: Unless your trailer has a bathroom built by the manufacturer, we will not write a policy."

Me: "Thanks for your time."

I leave this to wiser heads than mine. It seems like utter nonsense, but honest, this is exactly the conversation.
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Old 01-09-2015, 07:34 PM   #66
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Do most of the travel trailer owners purchase a separate policy on the trailer? Do some wing it and purchase none?

I'm primarily interested in covering liability but I would cover replacement of our 2007 Casita 17 SD if it isn't too costly to do so. My insurance company says they will add a travel trailer endorsement to my auto insurance for about $10 a month. It covers "replacement cost" of the trailer. They say "we agree to pay actual cash value". Should I be telling them to put a fixed value in there like $14,000 in the event of total loss (or something like that)? I understand insurance companies don't seem to know how to handle FG's.

How do you guys handle insurance?
Co-Operator's charges $97 to add the extra not already in the car insurance for year.
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Old 01-09-2015, 07:54 PM   #67
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Name: Perry
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Texas
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Progressive writes a stated value policy on odd vehicles through one of their companies. Other insurance will buy you a common year and type at fair market value.
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Old 01-10-2015, 12:00 AM   #68
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Name: Karen L.
Trailer: 1982 Burro 13 ft (My Burrito!)
Washington
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Hi Pogophile...Several people have questioned my insurance on my 1982 13ft Burro! Like yours, I don't have a bathroom, but a Porta potty!! I pay State Farm $28.00 a year & have had them for coverage since 1989 or 90, ever since I've owned my "Burrito"! I've asked many times over the years & they have reassured me it's full coverage.. I've even askedabout replacement cost & they told me it's based on my Vin #! I've read EVERY post & have questioned enough that I'm comfortable with them... Hadn't thought about the MILLION DOLLAR settlement & the safety of my Estate!! Will do some more questioning before Camping season!!
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Old 01-10-2015, 12:14 AM   #69
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$28 is about what it costs to buy four packs of cigarettes.
I think you should discuss your coverage with another insurance agent and ask a lot of questions.
My insurance for my trailer and tag is about $300 a year.
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Old 01-11-2015, 12:47 PM   #70
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Trailer: R-Vision Trail Lite
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My 2001 Travel Trailer cost me $5,000 plus about $1,000 in minor upgrades...replacing it with insurance is not a major concern...however...It only tales one mistake and a multimillion dollar law suit to consume your entire life's savings. Liability claims can destroy you future. I do not care one bit about replacing my travel trailer in an accident but I do care about protection from liability law suits. Accidents happen...replacing or repairing a camper is small stuff indeed compared to the major loss from a liability lawsuit.
Million dollar umbrella insurance is a bargain and starts when your primary insurance coverage is exhausted from a nasty liability law suit....how deep is your wallet?
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