Travel Trailer Insurance ??? - Page 6 - Fiberglass RV


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Old 01-11-2015, 02:02 PM   #71
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Well I suspect the difference between what Glenn pays for insurance vs others here, is that here in BC you have to (its not a choose) carry separate insurance on the trailer for a minimum amount of $200,000 3rd party liability insurance (although most people I know pay more to pump that number up), $150,000 in medical insurance, Underinsured Motorist Protection for 1 million per person hurt, $200,000 in Hit and Run protection and Inverse liability protection covers you in parts of Canada or the U.S. where local laws don't let you claim against the person who caused your crash.

Also most home insurance policy in these parts will also not cover the trailer if it is stolen while parked at your home or should it roll down the hill and kill someone.
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Old 01-12-2015, 08:18 AM   #72
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Wayfarer Insurance

After talking to other carriers, I called Wayfarer back. It seems there must have been a misunderstanding and the first person had assumed this was an RV. (I'm sure I made it clear it was a trailer...but oh well).

In any case they are actually happy to insure it.
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Old 05-10-2015, 07:20 AM   #73
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My opinion - Insurance is well worth it. Why you might ask? My answer to that is because you never know what is going to happen. I have my little Cloud now because I insured my last camper which was a 32' travel trailer (stick built) which I kept at a campground as sort of a summer retreat. Mother nature decided I was to happy and comfortable in my beautiful little spot and sent a tornado our way which leveled pretty much everything standing all around us, except for 2 of the campers in the campground. Mine and my neighbors. My neighbors camper did not even get scratch on it but mine had a nice tree branch sticking out of it straight up from the roof, looked like it came falling out of the sky and impaled my poor camper like a spear. Called my insurance company, they sent someone out to look at it, told me that it was totalled (apparently in the insurance world if a camper gets a hole in it, it is as good as totalled at that point they explained to me), and several days later I got an email on the value and what they were going to pay me for it and I got to keep the camper besides. That money I got from that one incident was enough to finance my little camper and all the upgrades I have done to it, plus fix the hole in my old camper which I am still using to this day as my summer retreat.

Some advice however from my above experiance. If you ever find yourself in a similar situation and Campytime mentioned this in an earlier post, do not just settle for what he insurance company says your camper is worth if it does end up being totalled out. Take some time and find other campers out there like yours, print up the sheets that state what they are selling for and what people are buying them for and bring those to your insurer. I did this and it made a several thousand dollar difference in the amount I got from my insurer, it was well worth the extra half hour or hour of work and research.

To answer some of the questions about costs and such. I pay $34 every six months for comprensive and liability. In Wisconsin the camper is covered by my auto insurance while towing but I like the piece of mind of knowing for sure my camper is completly covered by its own insurance. Plus that $34 covers her when she is parked, theft, and also roadside assistance if I get a flat or something like that. I use Gieco and I love them, always been there when I have needed them and very little hassle. Plus I have Good Sam Roadside for my RV and tow, and my fiance has AAA so yeah we kind of overdue it but we have used all of the above at some time or another and to me $88 a year for roadside assistance used just once to not have to change a darn flat tire on the side of a busy highway in the rain is way worth the money to me. Someday when I am on a fixed income and have a set budget I may change my ways but for now I can always work an extra shift at work and cover those extra costs and it bothers me not to do so just to have that extra security blanket and convenience.

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Old 05-10-2015, 10:23 AM   #74
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[QUOTE=pogophile;499528 It seems there must have been a misunderstanding and the first person had assumed this was an RV. (I'm sure I made it clear it was a trailer...but oh well).
.[/QUOTE]

Not sure this would make any difference at all, as most insurance companies these days do consider a towable trailer an RV (Recreational Vehicle).

RVs can be either motor homes or tow-able trailers - main feature is that they are used for leisure activities such as vacations and camping.

An RV is distinguished from a towable utility trailer (which will have cheaper insurance) as it has living quarters, including a kitchen & sleeping facilities.

I know that some here don't like to think of our little camping trailers as RV's but I suspect most modern dictionaries & insurance companies would suggested otherwise.
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Old 05-10-2015, 10:27 AM   #75
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They say they insure Trailers at this classic car insurance company.
Grundy Insurance
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Old 05-10-2015, 11:04 AM   #76
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Quote:
Originally Posted by Darwin Maring View Post
They say they insure Trailers at this classic car insurance company.
Grundy Insurance
Yes most do, some will also described them as towable trailers or camping trailers in their general publications etc.

My point was when it comes to actual general classification of travel trailers they will fall into what many insurance companies will describe as a Recreational Vehicle (RV) once you start reading all the fine print of the policy or receive your actual insurance documents.

Having said that they do not charge the same rate for every RV they cover - the cost of insurance is based on make, age, size and if it has or does not have a motor & options found on it, as well as the value of coverage the owner wants for items such liability and theft etc. Most insurance companies use NADA in determining what value they will cover it for - which is a whole different issue for those of us with older fiberglass trailers.

So at the end of the day it really does not matter what they call it in their general classification/description. They can call it an RV, Travel Trailer, Towable Trailer or a Camping Trailer none of which should impact what they charge to cover it.
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Old 05-10-2015, 12:00 PM   #77
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But, They say they can come to an agreed value of your trailer. It is not a cookie cutter approach.

The only way to find out is for someone to approach them and discuss the issue.

I don't need to because I have GoodSamand like it.
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Old 05-10-2015, 02:05 PM   #78
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Quote:
Originally Posted by Darwin Maring View Post
But, They say they can come to an agreed value of your trailer. It is not a cookie cutter approach.
.
Yes they do as do most insurance companies (I have agreed value insurance on my own trailer) if you talk to them but coming to the agreed value is not always that easy and will take some work on the part of the trailer owner. You will to prove the value is not what they believe it to be using the basic cookie cutter approach of looking at NADA. What they require as proof varies by insurance company. You should expect to also pay more for the agreed value policy than you would with the cookie cutter approach one.
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Old 05-11-2015, 07:11 AM   #79
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Hi all,

I just called geico and they won't offer me replacement cost insurance in my 2012 13er. Only actual cash value.

What's anybody's experiences with good Sam rv insurance? I was a little wary as I may have read a few bad reviews online. They do offer replacement cost and a decreased rate when trailer is in storage.

I appreciate your thoughts as options seem pretty slim.

Regards,

Wendy


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Old 05-11-2015, 07:24 AM   #80
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I guess I should review my insurance a bit closer, as I have no idea what it covers. We have it with our auto policy as a separate insured "vehicle."

Last year we were gung ho and based on advice from my brother got Good Sam Roadside assistance. Basically what I got out of that was a zillion spam email messages looking for me to buy more stuff. I can change a flat in the rain if I have to (I carry a spare). Actually I carry a remote heat sensing gun to check hub temps, and do at most every stop, a "jack-in-a-box" and a small air tank I fill to capacity before I leave home. There's not a whole lot I need to worry about traveling than tires and bearings, and being a maintenance nut, it is very rare I ever have a bearing problem, if ever.

What haven't I thought of?

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Old 05-11-2015, 10:48 AM   #81
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Go to the GoodSam web site, log on and they'll them to stop sending you emails.
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Old 05-11-2015, 11:37 AM   #82
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Quote:
Originally Posted by CampyTime View Post
Hi all,

I just called geico and they won't offer me replacement cost insurance in my 2012 13er. Only actual cash value.

What's anybody's experiences with good Sam rv insurance? I was a little wary as I may have read a few bad reviews online. They do offer replacement cost and a decreased rate when trailer is in storage.

I appreciate your thoughts as options seem pretty slim.

Regards,

Wendy

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Wendy something is not correct, as your trailer is less than 4 years old, this is what the Geico website states:

"Total Loss Replacement Ė provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years. When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price. After the seventh model year, the settlement is on an actual cash value basis."

The question you may wish to ask them is how is the "actual cash Value Basis" is determined. Is it all by NADA? or are you able to provide recent sale info and have your trailers value determined by an independent appraiser?
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Old 05-11-2015, 05:36 PM   #83
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Thanks Carol. I'm going to call them again now.


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Old 05-11-2015, 05:55 PM   #84
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What a joke! Just called geico. The stipulations you typed for me only go for a 2016, 15 or 14 model year trailer. He also wanted to pull up a nada and I told him not to bother, etc. we all know why. He told me the claims adjusters won't compare my scamp to a jayco. So I asked him to share with me the database they would use to get their information and he couldn't. So I asked to speak with a claims adjuster and he said they only talk with you if you have a policy and a loss.

So then I wondered...are these people going to look on FGRV or fiberglass rv.com to see what my trailer us worth and pour through pages of sales histories which aren't always reported by individuals, only asking price?

I thanked him for his time. Back to the drawing board. So good Sam says they'll give me replacement cost and decreased rate while in storage. Too good to be true?


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