Travel Trailer Insurance ??? - Fiberglass RV


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Old 03-31-2014, 09:07 PM   #1
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Name: Tim
Trailer: Casita
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Travel Trailer Insurance ???

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?
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Old 03-31-2014, 09:15 PM   #2
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Here in BC its not an option to not insure it, the trailer has to have its own plates and liability insurance as its only covered by the auto insurance when actually attached to the auto - with its own insurance should it roll down a hill from a campsite your covered. ;-) Its also not covered should it be lost or stolen from the home under the home owners insurance either.
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Old 03-31-2014, 10:33 PM   #3
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Just insured the new Oliver today. Just under $50.00/month, full replacement coverage. Contents will be covered on home policy.
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Old 03-31-2014, 11:14 PM   #4
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British Columbia
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$50 a month seems expensive. I paid $240 for the year, full replacement, liability, contents. My trailer is costs about half of an Oliver, but still....
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Old 04-01-2014, 04:45 AM   #5
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Name: Donna D
Trailer: Escape 5.0 TA, 2014
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I've never insured my Scamp in all these years. It's parked safely at home, there's nothing inside worth anything and it would cost me maybe $150 to replace all the contents.

However, my new 5er will be fully insured until the tipping point... which is comfort level to not insured it. Frankly, I haven't even looked into cost to insure. Guess I'd better do that!
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Old 04-01-2014, 06:25 AM   #6
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Trailer: 2002 Casita Bunk Delux
Texas
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Originally Posted by Donna D. View Post
I've never insured my Scamp in all these years. It's parked safely at home, there's nothing inside worth anything and it would cost me maybe $150 to replace all the contents.

However, my new 5er will be fully insured until the tipping point... which is comfort level to not insured it. Frankly, I haven't even looked into cost to insure. Guess I'd better do that!
It's not the trailer I'm worried about. I'm worried about that little old lady that just wants a look inside and then bust her head on the low door and falls out, breaking several bones when they land. They are old and frail, they don't survive the surgery and their children now own everything you did own..

My policy has decent liability limits as well as theft and such and only costs me $200/year. I would not move that trailer off my residential property without some liability insurance. I also carry a seperate personal liability policy that may cover it but for the cost and peace of mind I'll just stay double covered.
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Old 04-04-2014, 06:40 PM   #7
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Exclamation Would you not insure your car?

Trailers can do as much damage as a car.

Dangerous Trailers.org
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Old 04-05-2014, 08:35 AM   #8
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Try the Good Sam Club for an insurance quote.
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Old 04-05-2014, 09:39 AM   #9
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British Columbia
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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?

I have dealt with two different home owners insurance companies in the time I have owned my trailer and neither of them would cover the loss of the trailer under the above conditions as they consider it a vehicle with a licence and as such it requires its own loss insurance.
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Old 04-05-2014, 09:56 AM   #10
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For less than $300 a year we insure our camper with the Good Sam insurance plan that does Campers.

Good Sam Vehicle Insurance - Travel Insurance - Life Insurance, RV insurance

Look the above site up and don't worry about the camper.
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Old 04-05-2014, 11:14 AM   #11
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Alaska
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For me, Progressive was the cheapest. I pay less than $150.00/year to cover my Bigfoot. Granted, it's a 1989 and the replacement value is under $10K but when I shopped it around, Progressive had the best price for a policy. I can't say the same for my auto insurance, Progressive was high. But for the trailer, they came through.
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Old 04-05-2014, 01:54 PM   #12
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Name: Eddie
Trailer: 2014 Escape 21
Virginia
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In Va. your tow vehicle liability covers your trailer while it is being towed but it does not cover damage to the trailer. Some people assume your homeowners ins. covers your trailer while in the yard but not so. In Va. if the trailer has a title and is licensed it is considered a motor vehicle and has to have its own insurance. If you go to this link Hi my name is Tom and this is my '82 scamp and watch the first part of the video you will see a tree damaged trailer. This trailer was sitting in my yard at least 100 ft from any trees. A tornado came up a deposited a tree top across the back of the trailer. It was not insured and I got nothing from my homeowners Ins. Insurance for that trailer would have only been about $150 a year. BTW I had two trailers damaged in the same storm.
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Old 04-05-2014, 02:49 PM   #13
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Trailer: 1972 boler American and 1979 Trillium 4500
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Originally Posted by Burtim View Post
... 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?
Your trailer being a 2007 should not be that difficult to valuate. It won't depreciate as quickly as a stick built so you may want to stick with a fixed value. The "book value" will start to really vary as time goes on. That is part of the reason Greg created his site, to keep a record of current and historical values of FG trailers. Molded Fiberglass Trailers | Fiberglass RV's For Sale

After a while you will likely require appraisals to keep insurance at a set value, much like an antique car. Locally they are called special endorsement policies. There are threads that discuss insuring older and restored trailers.

For me, we have not appraised either of our 35+ year old trailers because the restorations are not complete. When they are finished, we will get them appraised and insured for the full value. In the interim, they are covered under our auto and home policies with lots of pictures of the work to date to document current value.
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Old 04-05-2014, 08:20 PM   #14
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Name: Tim
Trailer: Casita
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Wow. Lots of input. Seems like, for now, I should add it to my tow vehicle policy.
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