New to us Casita 16 foot - insurance? - Fiberglass RV
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Old 09-29-2022, 05:56 PM   #1
mee
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Name: Elaine
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New to us Casita 16 foot - insurance?

Greetings,

We are pleased to once again have a Casita Travel Trailer - a 1999 Spirit Deluxe. Good Sam won't offer insurance for trailers over 20 years old. Any recommendations for insurance coverage? We are eager to be on the road again!

Cheers, Elaine and Patrick
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Old 09-29-2022, 08:55 PM   #2
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Originally Posted by mee View Post
Greetings,



We are pleased to once again have a Casita Travel Trailer - a 1999 Spirit Deluxe. Good Sam won't offer insurance for trailers over 20 years old. Any recommendations for insurance coverage? We are eager to be on the road again!



Cheers, Elaine and Patrick
We have the 1970 Campster. We used to have insured with Farmers as an add-on to our tow vehicle. When we recently changed insurance, we obviously couldn't find comparable. Safeco offered a policy based on a fixed value, which we set. It covers either comprehensive or collision.

We live in Washington. That politics may or may not be available in other states.
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Old 09-30-2022, 07:57 AM   #3
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Start with the insurer that covers your other vehicles. Most of the major insurers offer basic RV coverage, and they may offer multi-vehicle discounts.

You may get some incredulity as to why you would want to insure a 23 year old travel trailer at all, so bring along some comps for similar units to demonstrate that your Casita does have a higher value than the typical non-molded trailer of that age.

We have all our vehicles with State Farm, and I had a conversation with my agent about 6 months ago about whether my Scamp coverage was keeping up with inflation (especially for small molded trailers). He looked it up on his computer (probably NADA) and did a double take when he saw the number. Our 14 year old unit was worth more than the original MSRP and more that double what I paid ten years ago. It was still less than what it would take to replace in the current market, but it was enough to make the insurance worth keeping at $82/year.

If your regular insurer balks, start working your way through others. I wouldn’t expect to get Cadillac coverage on an unrestored unit that old, so you’ll bear some of the risk of loss yourself. Since insurance is not required on trailers, there’s always the option to self-insure and put some money each month in your rainy day fund instead.
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Old 09-30-2022, 07:59 AM   #4
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We live in Washington. That politics may or may not be available in other states.
I know what you meant of course, but that got a chuckle!
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