rv insurance

[rsm8]

I see some posts from members stating they are paying about $65/year to insure their popups.  We just purchased a 2007 fleetwood Arcadia and progressive has the least expensive insurance at $165.00.  This includes full replacement guaranty, towing to closest certified repair center, contents and liability coverage. The coverage through our auto insurance was not nearly as good and we would have had to supplement through AAA for decent towing coverage which brought the premium into the range of progressive and provided less coverage.  Am I overpaying?  The trailer we purchased was expensive I think (for a popup) but I want to make sure it is insured properly.  Does anyone have any experience or advise.  Thanks.

[Recumbentman]

rsm8
congrats on your new PU
I have the same insurance and pay a little less, but then again my PU didn't cost as much as your did, so I am sure that has something to do with it. The thing that I liked about the progressive RV policy was that it covered FULL replacement for up to 5 years. can't beat that  
enjoy your new PU

[dcampbell1969]

I see some posts from members stating they are paying about $65/year to insure their popups.  We just purchased a 2007 fleetwood Arcadia and progressive has the least expensive insurance at $165.00.  This includes full replacement guaranty, towing to closest certified repair center, contents and liability coverage. The coverage through our auto insurance was not nearly as good and we would have had to supplement through AAA for decent towing coverage which brought the premium into the range of progressive and provided less coverage.  Am I overpaying?  The trailer we purchased was expensive I think (for a popup) but I want to make sure it is insured properly.  Does anyone have any experience or advise.  Thanks.

I went thru them with an 07 Niagara for 125, that was the pay in full discount option.  I'd say thats in line

[AustinBoston]

Comparing what you pay with anybody else is almost worthless information.  Vehicle insurance rates are calculated by zip code, so someone across the street from you (but in a different zip code) could pay as much as twice or as little as half of what you do, even with the same history.

Here in Minnesota, the biggest discounts to be had are if you bundle everything, combining auto, home, and RV with ONE agent and ONE carrier.  So now in order to compare apples to apples, you have to know 1) how many points (if any) are on their license(s); 2) How much their house is insured for (effects the homeowner's discount amount); 3) How much their vehicle(s) are worth; 4) Whether there are any first-year, junior, or under-21 drivers on the policy; 5) How much the RV is insured for; 6) What insurance options they have taken; 7) How big any deductibles are; and what zip code they are in.  I am sure there are other items I have forgotten.  If you know all of those are the same, they you may have a valid basis for comparison.

Austin

[SPXTrader]

Just a heads up, but you should check your policy very carefully. We are going with an "RV specific" company because of several factors.

First, and more importantly, is liability insurance at the CG.  The pup was covered by the auto policy while attached, and covered by homeowners while in the yard.  But after some digging, we found that we had no liability coverage at any CG.  With everyone sue happy these days, all we need is for some kid to run thru our campground, trip on something (most likely a cooler!) and slice himself up on the pup's stab jacks.

Replacement value vs. actual cost.  While we bought ours used, we bought it $ 3200 back of NADA retail.  I just checked the new NADA price, and we're still $ 3100 back of NADA retail.  The Homeowners would have given us full replacement value if something drastic happened, like a tree falling on it.  But only while it was on our property.  The auto rider would only give depreciated value, less a big deductible, while it was attached to the TV.  Neither policy gave any coverage at the CG.

Personal contents while in the CG.  If the pup gets broken into while in the cg, we have $ 5,000 of contents insurance.  Not available with auto or homeowners, unless it's on our property.

FYI, Homeowners is Allstate and auto is State Farm...

Not trying to scare everybody, but it's something to consider...

[flyfisherman]

Just a heads up, but you should check your policy very carefully. We are going with an "RV specific" company because of several factors.

First, and more importantly, is liability insurance at the CG.  The pup was covered by the auto policy while attached, and covered by homeowners while in the yard.  But after some digging, we found that we had no liability coverage at any CG.  With everyone sue happy these days, all we need is for some kid to run thru our campground, trip on something (most likely a cooler!) and slice himself up on the pup's stab jacks.

Replacement value vs. actual cost.  While we bought ours used, we bought it $ 3200 back of NADA retail.  I just checked the new NADA price, and we're still $ 3100 back of NADA retail.  The Homeowners would have given us full replacement value if something drastic happened, like a tree falling on it.  But only while it was on our property.  The auto rider would only give depreciated value, less a big deductible, while it was attached to the TV.  Neither policy gave any coverage at the CG.

Personal contents while in the CG.  If the pup gets broken into while in the cg, we have $ 5,000 of contents insurance.  Not available with auto or homeowners, unless it's on our property.

FYI, Homeowners is Allstate and auto is State Farm...

Not trying to scare everybody, but it's something to consider...

As already stated, just where (the state) you have your insurance can make a difference.  Here In North Carolina (I have NationWide), the homeowner's policy does not cover any part of the popup while parked in the yard ... short of someone tripping over the tounge of the trailer and breaking a leg, then homeowner's liability would cover that. But as for wind and hail and theft and fire ... so sorry, your out of luck!  For that reason I carry a comprehensive policy that's a rider on my tow vehicle policy, doesn't cost much ... $35.00 annually, but does cover $1,000.00 for  contents and as for camper replacement, what the NADA book says it's worth, and that's anywhere the camper is parked.

As for campground liability, when not connected to the TV, it's still covered by the TV's policy as it was the TV that brought the camper to the C/G in the first place.




Fly

[AustinBoston]

First, and more importantly, is liability insurance at the CG.  The pup was covered by the auto policy while attached, and covered by homeowners while in the yard.  But after some digging, we found that we had no liability coverage at any CG.

Then there is something wrong with your homeowner's liability insurance.  When you buy liability insurance, you are insuring you against your liability, not your home.  There may be no comprehensive insurance at the campground (so you are not covered if your pop-up burns or is stolen), but general liability insurance (which excludes auto incidents, business incidents, etc.) should cover you pretty much wherever you are.

Frankly, I want to be covered if someone trips over my briefcase at the bus stop, if my dog gets loose and someone gets a scrathc a mile down the road, or if someone gives themselves a hitch dingle at the campground. (Legally, there is no difference between the three.)  That is the purpose of homeowner's liability insurance, and if it doesn't count at the campground, you need a new policy.

Austin

[SPXTrader]

Exactly!  I am being insured against any potential liability if something should happen to anyone else WHILE ON MY PROPERTY which has a FIXED PHYSICAL ADDRESS.  That address is stated in the declarations page of my policy, and nowhere does it state anything about my pup, which has no physical address and is not listed on the declarations page...

[LACamper]

Keeping in mind insurance rules vary widely from state to state, I think Austin is on the right track. Liability from your homeowners does extend to places other than your residence (ie a vacant lot), but motorized vehicles (which might include a popup...) are usually excluded, even if parked. Call your agent and have him find out from his claims department. Ask him to document in your file who he talked to in claims. Having both homeowners, auto, and PU together (I'm partial to State Farm - nothing wrong w/ direct sales companies, but I like having an agent I can GO talk to in person) makes it much less likely that a claim would be denied as you have attempted to cover all your bases (and yes, it does matter). Also you won't have one company telling you its the other's responsibility. In most states liability comes from the tow vehicle while in motion, phyiscal damage to the trailer comes from the pickup policy, and liability while parked comes from your homeowners policy (raising your liability on your homeowners to 500K is usually only a few bucks. ASK!) A liability umbrella is an even better idea. Having your homeowners cover some physical damage while parked at home is an iffy proposition. Spend the $100 or so to cover the popup. Contents of the trailer are usually covered by your homeowners but subject to your deductible (don't forget to take some photos at the campsite of everything you bring to document it). I put some of my more expensive camping equipment on my personal articles floater (same as a jewelry policy) since it has a 0 deductible. Remember, insurance is only about claims service. NOTHING ELSE MATTERS. Even price is unimportant when you're faced with a claim. Especially liability! (We had a claim in the office a few years back where the camper fridge started a fire that burned down the neighbor's home.) Spend the time to get it right.
LACamper (long time insurance agent)