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Old 01-18-2011, 10:59 PM   #1
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Question Insurance Coverage for a 5th Wheel

I'm in the process of finding Insurance for the 5th wheel and was wonder what type of coverage most others have on their 5ver. Also, I'm not a full timer.

What I'm currently looking at getting is:
  • Total Loss Replacement/Purchase price for Physical Damage
  • Comprehensive: $500 Deductible
  • Collision: $500 Deductible
  • Disappearing Deductibles & Scheduled Medical Benefits included
  • Emergency Expense: $2000
  • Vacation Liability: $300,000
  • Roadside Assistance: None (Have it from Jayco for now)
  • Replacement Cost Personal Effects: $5000
  • Scheduled Personal Effects: None
The cost on this would be about $61/Month from progressive.
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Old 01-19-2011, 12:00 AM   #2
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If you have or are taking a loan out on the 5-r, check with your lender to find out what they require.

When we had loans on any of the RV's we owned, the lender dictated the coverage & minimum amounts. Since we're in OH & store our RV's from Nov 1- May 1 each year, I thought I could reduce coverage to just comprehensive (no collision, no liability, no under or uninsured) to save premiums during the months the RV's weren't on the road. However, the banks required full coverage 24/7/365 until the loans were paid off.

Just something to consider.

Lori-
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Old 02-05-2011, 06:33 AM   #3
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Hey Nlovinit,
I just got a quote from Good Sams for my 2006 Chevy truck and 2008 Holiday Rambler fifth wheel with exactly your requirements - $770 for 6 months and includes road side assistance (breakdown etc).
My current insurer wanted $1504 for the same deal...checkemout mate.
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Old 02-05-2011, 02:42 PM   #4
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Not bad Shekinah, I appreciate the info.

When we still had the loan, our Bounder used to run us $570 for a whole year of full coverage. Dropping it to just comprehensive for 6 months gets us down to $385 per year. Yes, that is per year...we're in a cheap insurance state.

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Old 02-05-2011, 11:15 PM   #5
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Check with insurance brokers Farm and City insurance- Forrest City- IA. Have been with them for several years. Currently with Nation wide tho they carry several companies
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Old 02-07-2011, 08:18 PM   #6
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Just got a year coverage from F&C for the MS at $699 for $48000 coverage--3 other quotes went from $790 up to as high as $1540. F&C also was the most responsive to quote requests. Can't get replacement coverage over 5 years old...
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Old 02-09-2011, 07:06 PM   #7
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Check a higher deductible...it'll lower your premiums.
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Old 02-24-2011, 09:11 AM   #8
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We have our T/T insured with the same company that our HO and Autos are insured with. A 250.00 ded for anything and full replacement cost. It is a considerable amount cheaper than others we checked into. JMTCW.
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Old 05-20-2011, 11:42 AM   #9
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Quote:
Originally Posted by clvickers View Post
I'm in the process of finding Insurance for the 5th wheel and was wonder what type of coverage most others have on their 5ver. Also, I'm not a full timer.

What I'm currently looking at getting is:
  • Total Loss Replacement/Purchase price for Physical Damage
  • Comprehensive: $500 Deductible
  • Collision: $500 Deductible
  • Disappearing Deductibles & Scheduled Medical Benefits included
  • Emergency Expense: $2000
  • Vacation Liability: $300,000
  • Roadside Assistance: None (Have it from Jayco for now)
  • Replacement Cost Personal Effects: $5000
  • Scheduled Personal Effects: None
The cost on this would be about $61/Month from progressive.

I just went with Progressive written through esurance. It will be $51 per month and I get 14,0000 coverage on the trailer (It's a 2000) and 10,000 personal effects. $250 deductable, emergency expense $2000 and if you have AAA it will include roadside assistance. Hope this helps.
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Old 05-20-2011, 11:44 PM   #10
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I previously had Foremost, but just switched to GMAC through Good Sams'. They gave me quite a bit of savings over the previous and good coverage, like what youre looking for. Good luck with your choice.
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