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Old 08-21-2011, 09:42 PM   #1
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Question Who insures your 5-er?

Hello,
We just bought a 5th wheel and were wondering whether the truck insurance or our home insurance would cover it? Our auto insurance now covers our Class A which we will sell.
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Old 08-21-2011, 10:09 PM   #2
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Separate insurance is required for a financed trailer because you must carry comprehensive insurance. My truck policy just covers any liability claims resulting from a crash with another vehicle, and only when the truck and trailer are attached. Each states insurance requirements are unique, your current agent should have the latest, accurate information.
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Old 08-21-2011, 10:24 PM   #3
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I use Progressive. I have an agreed value policy that covers liability, comprehensive, and loss of use. You only get liability coverage if you rely on the tow vehicle's policy.
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Old 08-21-2011, 11:13 PM   #4
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I use GMAC through Camping world. they have a good plan worth checking on. We had very large hail storm here in OKC paid very well on truck and had to replace roof on 5th wheel. Also at other times was with Alstate and State Farm and the trailer was covered by the truck policy, if you had full coverage you had it on everything.
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Old 08-22-2011, 06:04 AM   #5
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Hi Bill. We have full coverage with Nationwide. Good price on the premium but havnt had to use it and hope I dont
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Old 08-22-2011, 07:42 AM   #6
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Thanks for the replies. So, I guess the auto insurance takes care of it. We have Travelers now for the class A so when we receive the 5th wheel we will just drop the A and add the 5th. Thanks!
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Old 08-22-2011, 01:12 PM   #7
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I use Progressive. I have an agreed value policy that covers liability, comprehensive, and loss of use. You only get liability coverage if you rely on the tow vehicle's policy.
I use Progressive, too. However when my current policy runs out, I will be changing companies. Check Mr. Peter Lewis, their chairman.
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Old 08-22-2011, 08:23 PM   #8
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Went to camping world today to get a 5th wheel hitch put on the truck. Picked up an insurance brochure and called them. Total replacement policy and $5000 personal property is $550 a year with a $500 deductible. A lot better than my insurance company....
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Old 08-25-2011, 06:55 AM   #9
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Went to camping world today to get a 5th wheel hitch put on the truck. Picked up an insurance brochure and called them. Total replacement policy and $5000 personal property is $550 a year with a $500 deductible. A lot better than my insurance company....
I got a quote yesterday from CW and the policy was a 6 month policy not a 1 year policy. Better be sure the quote was for one year. We live in SE Florida, I see you live in SW Florida.
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Old 09-04-2011, 09:54 PM   #10
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I use Progressive, too. However when my current policy runs out, I will be changing companies. Check Mr. Peter Lewis, their chairman.
Since Progressive is the only company that will issue an agreed value policy, I will stick with them. I could care less about the politics of the management, as long as they pay their claims in a timely manner. I wanted to go with GEICO, who insures every other vehicle I own, but they will only issue a actual cash value policy. I have way too much invested in my fiver in modifications and rebuilt structure to take what would amount to low NADA value if my rig was totaled.

So long as Progressive isn't supporting white slavery or satanic worship they'll get my RV insurance dollar.
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Old 09-04-2011, 10:03 PM   #11
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Old 09-04-2011, 10:40 PM   #12
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We went with CW which is GMCA. It was only $449 a year for full coverage. Hope it all works out...
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Old 09-05-2011, 11:42 AM   #13
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Old 09-05-2011, 12:31 PM   #14
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Thanks, ya that's it. Dyslexic I'm a little.....
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