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Old 09-29-2016, 09:59 AM   #1
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Question Insurance on a dolly

I store my camper in a locked secure storage area and my Acme dolly is mostly under my C and not accessible/removeablewithout me moving the m/h.

I am going to take a trip without the dolly so it could be easily hooked up and stolen if theives get in the locked/secure area.

As it is not licensed would it be covered by my home owners insurance or do I have to have it listed on my vehicle policies?

I never really thought about it until my wife asked who insures the dolly.

Maybe I should just buy a tongue lock and not worry about it.

Moderator:

I did not know if this should be a Toad question or general question so move it if you see fit
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Old 09-29-2016, 10:05 AM   #2
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You would need a renters storage policy to cover the dolly by itself (or add it to your homeowners policy specifically stating it is stored at another location - or if it has a vin, you can add it to your car insurance policy with comprehensive.
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Old 09-29-2016, 06:00 PM   #3
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My dolly is covered by my rig insurance against damage or theft. Could put it on blocks and take the tires off and resolve the problem. Or just take the nuts off and put them away somewhere else.

Good Luck
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Old 09-29-2016, 06:42 PM   #4
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Our tow dolly is also covered by our RV policy. I placed a hitch lock on the dolly. In addition, I placed it under the front of the motorcoach so it could not be moved without moving the coach first.
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Old 09-30-2016, 02:32 PM   #5
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You need to ask your insurers about coverage (if any) for the dolly, especially when stored away from your home or other insured vehicles. Don't assume your coverage is the same of anothers.

Mine seems to be considered "personal property" under either home or vehicle policies, meaning it gets covered as much (or as little) as my other outdoor toys and goodies. You probably have a dollar limit on "personal property" losses unless the item is specifically noted in the policy (scheduled personal property, in insurance terms).
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Old 09-30-2016, 02:52 PM   #6
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Quote:
Originally Posted by seb1899 View Post
I store my camper in a locked secure storage area and my Acme dolly is mostly under my C and not accessible/removeablewithout me moving the m/h.
I am going to take a trip without the dolly so it could be easily hooked up and stolen if theives get in the locked/secure area.
I never really thought about it until my wife asked who insures the dolly.
Maybe I should just buy a tongue lock and not worry about it.
Quote:
Originally Posted by cbramsey View Post
Our tow dolly is also covered by our RV policy. I placed a hitch lock on the dolly. In addition, I placed it under the front of the motorcoach so it could not be moved without moving the coach first.
cbramsey
The OP wants to drive his coach without taking his dolly with him...(NOT place it under his coach).
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Old 09-30-2016, 04:38 PM   #7
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Leaving the dolly unattended in storage, it could still be stolen, even with a hitch lock, boot, or other anti-theft device.

Like Gary said above...I would talk to the carrier of any current Renter's/Home Owner's property insurance to see about coverage.

But, what we do is to swap a car/truck for the RV inside the storage lot. When leaving the dolly behind, it is chained to the car/truck and therefore, covered by the auto insurance policy.

And, being inside the locked storage, the car/truck is not unattended at home.

Best luck
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Old 09-30-2016, 05:50 PM   #8
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as an insurance agent, and a previous dolly owner/user, I can tell you that it's a little confusing, but it IS already covered by your home CONTENTS coverage, if you have a Home policy, since it is not a 'licensed' vehicle, or a motorized vehicle...
having said that, many RV policies also DO cover a dolly since it is a part of towing a vehicle behind your rig, as an optional coverage.

Be assured, though, a dolly is NOT included or covered by an AUTO POLICY.

it's all very interesting, right? !! : )
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Old 10-01-2016, 03:48 PM   #9
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"Covered" can mean a lot of different things, too. For example, if you are towing it and it does some property damage, the tow vehicle liability policy covers it. But if somebody steals it off your car, almost zero chance the car comprehensive (theft) coverage will extend to the it (or any other trailer).

My point is, when asking questions, you have to be specific about coverage for what sorts of losses and in what specific situations.
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