Got insurance on your pu?

[AustinBoston]

Off my head, I don't know what we pay for insurance.  But our insurance agent suggested we drop the comprehensive over the winter, and put it back on in the spring.  We've been doing that since moving to Minnesota, because the winters are long and it ends up being worth the bother.

Last spring, before we had put up the insurance, we got a call...Uncle Carl had passed away.  We needed to go to far northern New York, and we needed to leave now.  We left early in the morning, hours before the insurance agent was out of bed, under-insured (yes, it was legal).  We left a message, policy number, plate number, & our cell phone number on her answering machine.  She called back needing more info, and left a message (we were in rural Wisconsin at the time).  When we got the message and returned her call, she was out.  She called back when we were again out of range...we were insured, and we never actually spoke to each other.

Austin

[balbrt1]

We have had SF ins for everything including our house for about 30 yrs.  I added the pup and it cost me $6.00 a month. It covers hail and wind and all the other things that are acts of God and anything else that could happen.

[wendycat]

I have a N2U '99 Coleman/Fleetwood Bayside. Insurance thru State Farm is $50. per year. I do get the senior citizen discount and have 2 cars insured with them. Have $250 deductible, too.

[RETCAMPER]

State Farm wants about $200 a year for a new $7000 pu.

I've had auto insurance with SF for about 25+ yrs - no accidents.
I also have my homeowners with them - no claims.

I think it's a bit expensive.... what are your educated opinions? (You guys/gals are so smart & saavy!)

I recently got the insurance for our 2006 Fleetwood Cheyenne for $100/year from Allstate. I also have auto and home policy with them.

Retcamper

[williamfriggle]

We have Erie insurance with our vehicles and to add our Viking with comp and collision and a $100 deducable it cost us $75 a year in PA. For full coverage on a 2005 Viking that is good I think.

Bill
Denver, PA

[woodthumb]

$40 per year down here in FLA.  Thats full cover on 99 coleman santee.   check around !!!

[madkatz1]

Thanks to all for your replys about what you pay for pu insurance.

Armed with all this information I called back SF and asked them again what it would cost me. The $200/yr. previously quoted to me now went down to $66/yr!  I asked why such a difference in prices and she didn't have any idea. So, it pays to do your homework.... and to get great advice from all you forum folks out there!

[cigardude]

I just bought a policy from Wayfarer (//www.wayfarerinsurance.com) on a new Coachmen Clipper 1265ST (same as the Viking) at a cost of $234 per year.  Its a fairly comprehensive policy.  I don't believe the price changes by region (of Canada) but it is definitely reflective of the cost of the trailer (mine was $14K incl taxes)

[madkatz1]

Thanks to all for your replys about what you pay for pu insurance.
 
Armed with all this information I called back SF and asked them again what it would cost me. The $200/yr. previously quoted to me now went down to $66/yr! I asked why such a difference in prices and she didn't have any idea. So, it pays to do your homework.... and to get great advice from all you forum folks out there!

Update - 1st telephone quote: $200/yr ---
2nd telephone quote: $66/yr (bought it) ---
Recently received in the mail: Policy for 2005 PU, $28 premium for 6 months ($56/yr), $500 deductible Comprehensive, $500 deductible Collision and a $38 refund check (overpayment or rating change which reduced my premium).
Then SF issued the policy based on a 4 wheel trailer rather than the 2 wheel trailer that I have.
Is this a good policy? Comp/Col too high? Should I tell them I have a 2 wheel instead of the 4? Does it matter?
All the confusing tow rating numbers and now insurance numbers??? I'm about 2 seconds away from going insane!:eyecrazy:

[brainpause]

Ours is 57.96/year on a 20 year old popup. Not sure what it covers. We got it when we were poor(er). May have to revisit this. It may just be liability...not sure. I wanted insurance in case the trailer became disconnected and caused an accident.

Larry

[GrizzlyTaco]

Update - 1st telephone quote: $200/yr ---
2nd telephone quote: $66/yr (bought it) ---
Recently received in the mail: Policy for 2005 PU, $28 premium for 6 months ($56/yr), $500 deductible Comprehensive, $500 deductible Collision and a $38 refund check (overpayment or rating change which reduced my premium).
Then SF issued the policy based on a 4 wheel trailer rather than the 2 wheel trailer that I have.
Is this a good policy? Comp/Col too high? Should I tell them I have a 2 wheel instead of the 4? Does it matter?
All the confusing tow rating numbers and now insurance numbers??? I'm about 2 seconds away from going insane!:eyecrazy:

Jeanie, does your policy cover full replacement in case your PU is stolen or destroyed?.........Ed

[DoubleD]

I just logged onto my State Farm site.  On my '06 Cobalt $250 deductible for $89/year, here is the policy description:
"Physical Damage
For travel and camping trailers Physical Damage Coverage includes comprehensive, collision and emergency road service. "

As far as I know, comp covers weather damage, theft, vandalism, and other damages that are out of my control.  Collision covers things that are my fault.  I have had emergency road service on my auto and they have paid every claim I have made, although they reduced payment when I tried to claim towing further than the closest decent sized town.
I could probably get the deductible reduced, but I am not uncomfortable with $250 at all.

[Spoon]

Our insurance is also with USAA.  We have a $250 deductible and pay $60 per year.  We live in the northwest Chicago suburbs.  

Please note you must be eligible for USAA.  It used to only be open for officers families but I believe they started offering the coverage to all military years ago.

It never hurts to check around.

That is good to know. I have USAA too and plan on purchasing coverage for our Pop-up through the as well.

By the way all Military personnel are authorized, as are their dependants. I love USAA!

[madkatz1]

Jeanie, does your policy cover full replacement in case your PU is stolen or destroyed?.........Ed

Hi Ed - I've been trying to decipher the lawyer-ese writing on my policy. Nothing about full replacement, but comprehensive does pay for theft, fire, vandalism, malicious mischief and other acts of nature.  How much they pay is another story and I have to cough up $500 for the deductible.
The collision pays for "collision with another object" and excludes most acts of nature. (another $500 deductible!)  I guess when the comp doesn't cover something the collision takes over and v/versus. I will have to see my agent in person to see what the hell I really have and what's really covered.
They really shouldn't make it so difficult to understand!