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03-12-2016, 02:48 PM
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#15
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Senior Member
Join Date: Oct 2012
Posts: 1,194
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My State Farm policy has the value of the trailer that I set-- plus stated amount for contents($2k). It is very competitive. I do have boats/cycles w/progressive but not the trailer.
__________________
Brian
2016 RAM 3500 6.7L DRW
2018 Chaparral 360IBL, Andersen Ultimate II hitch
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03-12-2016, 02:52 PM
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#16
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Senior Member
Monaco Owners Club Workhorse Chassis Owner
Join Date: Aug 2002
Location: Clovis, CA, USA
Posts: 13,149
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A friend of mine had a fifth wheel insured by one company and his truck insured by another company.
He jackknifed during a snowstorm on the interstate and did severe damage to his truck and trailer when the trailer slid around and hit his truck cab.
The two insurance companies gave him a hard time about which should pay what.
His advice to me was...always use the same insurance company for all your vehicles.
__________________
2004 Monaco La Palma 36DBD, W22, 8.1, 7.1 MPG
2000 LEXUS RX300 FWD 22MPG 4020 LBS
Criticism is easier than Craftsmanship
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03-12-2016, 07:20 PM
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#17
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Senior Member
Join Date: Jul 2012
Posts: 470
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This thread made me double check my coverage. I have Travelers and I do have complete coverage on my TT.
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03-13-2016, 06:56 AM
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#18
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Senior Member
Join Date: Oct 2012
Posts: 1,194
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Quote:
Originally Posted by Arch Hoagland
The two insurance companies gave him a hard time about which should pay what.
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My understanding was the tow vehicle has the liability coverage and the trailer has all other coverage. In Texas anyway.
__________________
Brian
2016 RAM 3500 6.7L DRW
2018 Chaparral 360IBL, Andersen Ultimate II hitch
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03-13-2016, 04:16 PM
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#19
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Senior Member
Pond Piggies Club Appalachian Campers Forest River Owners Club iRV2 No Limits Club
Join Date: Jun 2012
Location: West Virginia
Posts: 547
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Truck, car, TT, and an 18ft fishing boat - all have their own policies with State Farm. Only the 14ft, 12ft, and 8ft boats are covered by the transport vehicle policy.
__________________
-Laura
2016 Shasta Oasis 18BH and 2004 Aliner Expedition towed with a 2015 Ram1/2 ton Hemi
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03-14-2016, 12:19 PM
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#20
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Senior Member
Join Date: Jan 2015
Posts: 333
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i called my local agent
and got a surprise. I have no insurance, i live in Mass. but keep the
TT in NH as a seasonal in an RV park year round. We travel from there
but always return. They don'yt cover it out of state. i have several
quotes for TT ins. and will pursue one of the.
Many thanks for the heads up.
Jim
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03-14-2016, 04:07 PM
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#21
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Member
Forest River Owners Club
Join Date: Mar 2016
Location: Washington State
Posts: 77
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It looks like this has been a good thread for everyone all around. I just got off the phone with a Progressive agent. She is working up a quote for auto, RV and home and will get back to me. I am going to get one more to see what type of price I get. This has been a LONG day. I REALLY appreciate everyone's input.
__________________
Liz and Dean
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03-15-2016, 01:39 PM
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#22
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Senior Member
Join Date: Jan 2015
Posts: 333
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$$$
I went with progressive,, best price i could get.
Jim
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03-15-2016, 02:42 PM
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#23
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Senior Member
Join Date: Feb 2016
Location: Seattle, WA
Posts: 116
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Ameriprise/Costco
They said they do not cover trailers longer than 30'. But, after reading this thread I double checked, and I'm fully covered..towed or parked/stored.
I have no complaints. They give me good rates but I've never (knock on wood) needed to file a claim.
Mike
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03-15-2016, 08:24 PM
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#24
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Junior Member
Join Date: Feb 2016
Location: Ray Twp, Michigan
Posts: 22
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I have State Farm and they insured it so it is covered when sitting. Ran about $200/yr if I recall correctly. When in tow, it is covered (liability etc) under the vehicle towing it. Sounded legit to me. 
__________________
2016 Forest River Grey Wolf - 26DBH
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03-18-2016, 08:43 PM
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#25
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Senior Member
Join Date: May 2014
Posts: 568
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I unfortunately just completed a claim on my TT where I sideswiped a brick column and lost one, count it. one piece of siding and ir cost over 7000 to fix. good thong I had independent comp and collision on my TT so it only cost me 750.00 deductible to fix but I am sure my premium will be a killer this April. The DW questioned the coverage but I am so glad I did.
thats the moral of the tale here, talk to any insurance company about RV insurance separate from or in addition to your auto and if you can bundle your home in there and you may get a discount.
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03-18-2016, 08:50 PM
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#26
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Member
Texas Boomers Club Forest River Owners Club
Join Date: Mar 2015
Location: Van Alstyne TX
Posts: 56
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MetLife has pretty good rates as well. I just switched everything over, house, vehicles, RV.
__________________
Mike and Susan
2015 Columbus 320RS
2017 Ram 3500 MegaCab Diesel 4x4
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03-21-2016, 04:26 PM
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#27
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Member
Forest River Owners Club
Join Date: Mar 2016
Location: Washington State
Posts: 77
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Still Searching
It seems like many here are served with Progressive.
We have a quote from Travelers, the agent I spoke to said Progressive was very pricey and Travelers gave us the same coverage for a cheaper rate.
I am looking at Safeco now and will also look into Allstate.
I will have to check the premiums, but both gave us full coverage on the TT in tow, or camping, or at home, or if we were to store it.
We are looking to bundle home, 2 autos, and the TT.
Shopping for insurance is NOT what it use to be. It is like "Why do you want to look elsewhere?, Why are you switching"?.
Geesh.
__________________
Liz and Dean
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03-21-2016, 04:45 PM
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#28
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Junior Member
Winnebago Owners Club
Join Date: Sep 2015
Posts: 26
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This thread made me call my insurance company Liberty Mutual, who I just added my trailer to my policy last week, I had a separate company previously. I have my cars and house with Liberty and verified that the TT is on its own policy, so it is covered when it is traveling or stored. This thread first concerned me as it was only $48 per year to add the TT to my policy. I have 100,000 liability and a $250 deductible for collision and comprehensive on the TT. Note my Winnebago TT is valued today at about $16K
__________________
Phoenix-2013 Winnebago Minnie 2101DS
2016 Chevy Silverado 2500HD 4x4 Diesel Crewcab
Husky Center Line Towing System
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