Originally Posted by Jack Walter
I talked to a Hagerty agent and they are still setting up the trailer insurance in various states around the country - apparently Georgia will take a couple of months to implement this new product but he gave me an idea of what the coverage would cost and it was significantly less expensive. I have a several vintage autos insured with Hagerty and lots of friends with old cars as well and all of us have had nothing but good experiences with the company. They offer stated value insurance and they are constantly researching market prices to make sure you have sufficient coverage in case of a total loss. I'll be switching when I can get the opportunity. My State Farm policy isn't very expensive but I've been a loyal, careful policy holder for almost 54 years so they do treat me pretty well. Its just that Hagerty offers outstanding service and very competitive rates.
You & others on here should check at Vintage Camper Trailer Magazine's website for the Vintage Trailer Insurer, as well as for James Polk for an appraisal to get the proper Agreed Value.
We have the same problem with getting Hagerty's trailer insurance here in CA (maybe never due to our tougher insurer requirements), although they do insure classic cars here for a long time.
Jack - I think that I recognize your Puck + Rover at the red barn photo from TheSamba's Puck Topic.
FYI - we have the 1970 Puck that "Amishman" on there started with, & bought it from Greg R in Tustin in Oct 2018:
At 2019 Pismo Vintage Rally
FYI for #2 oldest 1957 R20 Avion owner VintgeRacer Mike - we also have the #2 built 1960 Avion T20 Tourist 4 sleeper (1961 MY - prior 20'-ers were your R20 & the 2 sleeper S20) over on the Airstream Forums as a "Vintage Kin" & the Puck as a "half-aluminum kin". I think I've seen you posting on there too.
We're currently with AAA for their version of "agreed value" - which is more of a stop-loss-cap for them, & we'd probably have to fight with appraisals to get up to those levels from ACV from what I've heard. I have the Avion at $20,000 AV, & Puck at $8,000 AV - but those were 2012 & 2018 values - so I'll need to get up-to-date appraisals from Jim Polk whenever I get any free time to clean them up after our home renovation/resto is done.
Bundling the Home, Auto, Umbrella, etc. insurance is usually a good deal due to discounts, but not all folks all items are eligible - plus often the broader range insurers are more expensive &/or don't offer true agreed value (or severely limit use) in the case of classic cars & vintage trailers for Agreed Value Insurance.
We've been with State Farm since the late 1980's for the house, & AAA for cars since the early `80's (plus 1974-78 until they stopped covering sports cars & I only had my `73 914). Both have been reasonable rates & coverages for the most part, but I can't shop around to bundle home insurance until the home resto is done.
But I do check SF vs. AAA for the cars (& lately trailers) every so often, but AAA has always been better pricing. However, they've not been cooperative about adjusting our far lower miles 2020-21 during COVID - so we may switch.
Have a great Labor Day weekend, for those in the States.