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Old 04-01-2019, 04:00 PM   #1
Join Date: Feb 2019
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Travel Trailer Insurance???

We are new to RVing and we just purchased out first Travel Trailer, a Grand Design Transcend 26RLS. Aside from all the extra "stuff" we need like hoses, surge protectors, etc... I'm wondering about insurance. Is it required? If not, should I get it? Is there a type to buy? Is one company better than another? Where is a good source of info?



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Old 04-01-2019, 04:40 PM   #2
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Start with your insurance agent. I have coverage on my TT for collision damage, liability, etc and it's only a couple hundred a year. Just make sure you know what's covered.

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Old 04-01-2019, 05:39 PM   #3
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Usually the tow vehicle's insurance covers a trailer while connected.

When the trailer is parked, that is a different story...

My homeowner's insurance covers it then.

Call your insurance guy.
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Old 04-02-2019, 09:26 AM   #4
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In addition to your "coverage" I would definitely look in to Good Sam extended warranty. They will give you a five year policy that covers most everything on your trailer. It is really a good buy when you consider the replacement cost of appliances and systems, make sure you get tire coverage. Here's to many enjoyable miles.
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Old 04-02-2019, 12:12 PM   #5
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I'm paying $240/yr for full coverage through my auto policy with Erie. Any damage while driving or parked is covered by the auto policy. I'm not sure if it would have been cheaper to get separate insurance for the trailer though.
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Old 04-02-2019, 01:07 PM   #6
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Geico is really good. My home owners at the time in Ohio did not understand RV's. They asked questions that told me they did not understand.

I called Geico and they knew exactly what I was talking about. A truck pulling a 5th wheel. Geico even understood staying the winter in Florida. They set us up with insurance that covered our site. If someone got hurt on our site we were covered. I moved auto/truck to them also.
The site coverage moved with us too.
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Old 04-02-2019, 01:41 PM   #7
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We called our auto insurance and added the TT to our policy.
Have Fun & Travel Safe!
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Old 04-11-2019, 07:12 AM   #8
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we added to our current auto policy and it only went up by like $40 a year. We have a Coleman 295 QB
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Old 04-11-2019, 07:14 PM   #9
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We've got Progressive with agreed value replacement. Reason being, we had some friends have their almost new trailer stolen from a storage lot, the amount of back and forth over the value of the trailer was ridiculous. We live on the West Coast, where there's usually a couple thousand in transportation cost. The adjuster kept showing them trailer prices in Indiana and Ohio as comps.
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Old 04-11-2019, 07:34 PM   #10
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Normally your trailer will be covered by your tow vehicles policy while it is being towed and hooked up to your vehicle. Ask your current agent to verify. But when you unhook, your auto insurance most likely not cover your trailer. You need to get coverage for damage to your trailer, or damage your trailer causes to another ones property as well as liability if someone falls and gets hurt in your trailer while it is parked as well as fire and theft to your trailer while unhooked or in storage. Your homeowners may cover it but again ask your current agent.
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Old 04-12-2019, 08:40 AM   #11
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Normally your trailer will be covered by your tow vehicles policy while it is being towed

Normally the liability of your trailer will be covered by your tow vehicles policy while it is being towed, as in what your trailer strikes like an awning at a Jack In The Box drive thru (it happens) or if it comes loose and hits another vehicle or property. Having it listed on your policy will cover the TT itself from the damage it gets during these situation and others.
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Old 04-12-2019, 09:22 AM   #12
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I have all my insurance through geico and yes you SHOULD have insurance on your trailer. You will want liability incase someone walks through your campsite and hurts themselves.
I have $300,000 liability, $5,000 personal property and $5,000 vacation interruption for $241.00 a year. My truck coverage covers issues while towing.
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Old 04-12-2019, 09:30 AM   #13
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Bundled mine thru our local Ins agent and we use Mutual Of Enumclaw. Couple 100 a year as well.
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Old 04-13-2019, 08:49 AM   #14
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Location: Lancaster TX
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2017 Flagstaff Classic superlite
5 weeks old , 3 amigos. Tried to steal it , ran it into a telephone pole trying to get it off the pad
Till the personal suppressor was used .
6 months later I damaged the passenger side at the back
Blow out , 10 minutes on the road damaged skirt, gas line .
October of 2018 in Beavers bend Oklahoma with camping group, big storm and large tree branch fell 40 ft and damaged the back end of fiberglass.

We have named this TT
“ Trailer from Hell”
Trailer has done nothing to us , we’ve done it to the TT.

GET YOUR ON TT POLICY , not added on to your Auto .
We insure it for 39,000 complete coverage

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