RV insurance?

[Kristenamber]

I'm curious how many of you have insurance coverage on your RV's?  My car insurance co. told me that I only have coverage from them for repair of someone else's vehicle if I hit them with my camper!  Well, I guess that's good, but I want insurance on my camper if someone hits me!  Anyone know of a good company?  What about Good Sam?  And how much should I expect to pay?  Our camper is brand new...and after taxes etc, I paid $5,600.00....so I really don't want to risk not being able to afford fixes if I need them!  Advice?

[CC777]

I paid 8900.00 for my used Hemlock and I pay 200.00 per year for coverage in case I hit anyone or if a tree falls on it or if the thing explodes.  I'm covered.  If anything gets stolen my homeowners covers it.

[curryp]

I pay $62/year to Progressive Direct for a 2001 Coleman Tacoma.

[robbie]

This response might not be of much use to you in terms of cost since I'm north of the 49th but I pay about 28 bucks a year for my humble little Viking. That's for everything; fire, theft and liability. What would be a really neat stat to know however is how many people don't have insurance of any kind on their trailers. I think a lot of people assume that since the trailer is an extension of their vehicle it is automatically covered by their car insurance.

[Russinator]

We have a 2 year old Niagara. We live in SoCal and pay Progressive $150 a year. That was the fee when it was new and it's still the same. A few months ago I checked with other companies and they were all higher.

Russ

[Used 2B PopUPTimes]

This is a subject that I've tried to get some real advice for an article. The RV insurance companies claim there is a big difference between "RV Insurance" and a rider on your auto policy. I've contacted about a dozen RV Insurance companies over the years for information and not 1 has returned a phone call or an email.  I'm not sure if they think that pop ups are poison or if the policies are a waste time, but I they are reluctant to market to pop up owners.  

I'm going to address this in my general letter in the next issue of PUT and see what happens.

d.

[flyfisherman]

Here in North Carolina the trailer is automatically covered under the tow vehicle's liability coverage just by being hitched to it. I added the TV's collision and comprehensive coverage to include the PU and if I remember correctly that was something like $48.00 a year.

This insurance coverage is a frequent topic here on PUT and the last time we had discussed liability coverage while the PUT was setting in the C/G (unhitched) there were some concerns about coverage in that case. I had checked with my agent and he told me that since the TV had towed the PU to the C/G in the first place, that the liability coverage was automatically in force.



Fly

[srds]

We pay 55.00 for pup and travel trailer from state farm,covers being hit-fire -tree damage-ect.

[LACamper]

Physical damage insurance on my 10 year old popup costs me just over $100 per year. Liability (at least in Louisiana) extends from the tow vehicle.

I sell insurance in Louisiana. I can tell you that a lot of people drop their insurance on their travel trailers after they pay off the bank. I do my best to talk them out of it. Trailer repairs/popup repairs are expensive. Every year I cover a few either wind damaged or hail damaged awnings at $800 each. I've covered many damaged roofs from falling tree limbs. I've seen trailers rear-ended in traffic. Blow outs on the trailer tires can damage the sides of the trailer. Vandalisms and thefts (always at home, I've never had anyone complain about a problem in a campground). Damage from animals (coverage is spotty on this at best).
Probably the most complicated claim I have ever been involved in was when a boat trailer came unhitched (no safety chains either) while on the interstate, crossed the median and hit multiple oncoming cars. That'll make you question if you have enough liability!
Anyway, the point is that there are so many things that can happen. $100 or so per year is a no brainer. Just as importantly though is to double check your liability situation and make sure you have enough.

Actual results may vary...

[Shredder]

Thanks to those who started this thread. I called and added a insurance rider with AAA for $83, $100 ded. I had been forgetting to do it, now it's done........shredder

[Jim K in PA]

We looked into this immediately when we bought our NTU 2006 Viking.  Although we got a great deal on it, I asked my ins. co. for a quote at maximum book value.  It costs us $152/year for $8k of coverage, with a $100 ded.  The coverage started the morning we picked it up.  Well worth it IMO.  Like others, liability is already in force via the TV policy.  BTW, that $8k value was their determination, which was about $500 higher than I asked for.

If we had paid less than $2k, I think I would consider the benefit/cost ratio, but then again, I am not sure where the ins. co. would draw the line on coverage (based on age/value).

[LACamper]

We looked into this immediately when we bought our NTU 2006 Viking.  Although we got a great deal on it, I asked my ins. co. for a quote at maximum book value.  It costs us $152/year for $8k of coverage, with a $100 ded.  The coverage started the morning we picked it up.  Well worth it IMO.  Like others, liability is already in force via the TV policy.  BTW, that $8k value was their determination, which was about $500 higher than I asked for.

If we had paid less than $2k, I think I would consider the benefit/cost ratio, but then again, I am not sure where the ins. co. would draw the line on coverage (based on age/value).

Even at $2K its worth covering. Most claims are under that, probably around $1000, from what I've encountered. I would rather pay $100 a year than pay $1000 out of pocket for a repair. You'd have to go 10 years without a claim to break even.
Also, most carriers either pay based on stated value ( a value that you insure it for) or some version of 'blue book'  or NADA value. Usually they go with the retail value, which is considerably more than you would expect.  If nothing else, for $100 a year you have a down payment on a replacement trailer.

[zamboni]

Our new hybrid is about $18/month with State Farm for full coverage.  Our former Niagara PUP was about $9 or $11.

[AZsix]

Here in North Carolina the trailer is automatically covered under the tow vehicle's liability coverage just by being hitched to it. I added the TV's collision and comprehensive coverage to include the PU and if I remember correctly that was something like $48.00 a year.

This insurance coverage is a frequent topic here on PUT and the last time we had discussed liability coverage while the PUT was setting in the C/G (unhitched) there were some concerns about coverage in that case. I had checked with my agent and he told me that since the TV had towed the PU to the C/G in the first place, that the liability coverage was automatically in force.



Fly

Here in AZ it's pretty much the same. I did cover the PUP in case of damage or theft and also included coverage for personal items in the PUP. It runs me $60 a yr with Allsate. My agent also has a PUP so I feel good that he knows what he's doing.