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Old 10-25-2012, 09:18 PM   #1
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Question RV Insurance question...

We are in Oregon and are wondering how others are insuring their RV. We were going to insure ours for one day so we could drive it home but the insurance companies we have talked to say they don't insure for one day and then tell us it will cost over $600 for a full year or $135 a year for storage liability. This doesn't sound right.
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Old 10-25-2012, 09:26 PM   #2
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I just carry liability on my 23 yr old coach, about $70 for 6 Mo. I figure $2000 damages would be totaled, so comprehensive coverage would just be a waste of money. I imagine a 28 yr old class C would be a similar situation.
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Old 10-26-2012, 05:51 AM   #3
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I don't know of anybody that insures for 1 day unless you are a commercial transport company. We have State Farm and only pay around $175/yr for full coverage. If nothing else, get a 6 month policy, then cancel it after you get the thing home. They should refund the difference.
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Old 10-26-2012, 10:52 AM   #4
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I don't know of anybody that insures for 1 day unless you are a commercial transport company. We have State Farm and only pay around $175/yr for full coverage. If nothing else, get a 6 month policy, then cancel it after you get the thing home. They should refund the difference.
I'm with the Hartford on all my cars and I added the RV for about for about 170 a year and have full coverage.
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Old 10-26-2012, 11:53 AM   #5
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I'm with the Hartford on all my cars and I added the RV for about for about 170 a year and have full coverage.
Quote:
Originally Posted by tekrsq View Post
I don't know of anybody that insures for 1 day unless you are a commercial transport company. We have State Farm and only pay around $175/yr for full coverage. If nothing else, get a 6 month policy, then cancel it after you get the thing home. They should refund the difference.
For $175 a year that sounds reasonable.Over $600 a year sounds like a ripoff...I've heard of others getting insurance from other states that was pretty inexpensive.
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Old 10-26-2012, 05:04 PM   #6
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Laws vary from place to place but if you are driving it home from the dealer,,, Usually if you have any vehicle that is covered, it is covered as well, same level.. USUALLY, not always. So do not count on this.

YOu may wish to talk to other insurance carriers.. Or as the song advises "Do the shop around". You might find a different insurance company wiling to do what you want, I would have storage coverage on it at the minimum if you are not driving it overwinter.

NOTE: This spring, happened to be the very month my insurance came due for renewal, one of the other posters here posted a lament about how despite no claims, no tickets, no negatives over the last year his insurance had gone up roughly 2,000 per year as I recall.

Mine (Same conditions) went DOWN

So do the shop around.
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Old 10-28-2012, 06:50 PM   #7
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Oregon is high on insurance. They require personal insurance to be part of the policy so it runs it way up there.
We had 2 vehicles registered and Arizona was nearly 1/3 what we paid up there. Liability on our MH is 47 bucks for 6 months.
They didn't ask if we lived in it and I didn't say.
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Old 10-28-2012, 08:59 PM   #8
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Our tow vehicle liability covers our trailer for liability. We have no comp coverage on the trailer. If we wreck it, we fix it ourselves. Fixed value coverage was just way to expensive.
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Old 10-29-2012, 01:05 PM   #9
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So buy whatever the company requires and then cancel it a day, week, or whatever later. You'll be reimbursed for the unearned part of the premium.

Your car insurance company MAY provide temporary coverage off your existing policy for a week to a month, but you need to confirm that with them first. Not all will, nor will all jurisdictions allow that.
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Old 10-31-2012, 12:23 PM   #10
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According to my insurance company (GEICO) the liability portion of my trucks insurance also covers anything I tow. I can get comp coverage but it will not cover replacement cost of my trailer (71 Airstream) just current value. Current value of my 86 Prowler is a lot different that 71 Airstream. The Airstream can get into the 10s of thousands of dollars. Won't see any 86 Prowler's going at that price lol.

After I get my Airstream finished I will get comp insurance for it. It can cost $$$$$ to get one of them repaired. I have been working on that project for two years now. Even parts for it cost lots.

I agree with above - shop around. Even get quotes over the internet. Normally all you need for a quote is very little information and the VIN.

Good Luck
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Old 10-31-2012, 06:50 PM   #11
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When getting internet quotes you might want to open a "throw away" email. You will get lots of spam from all of the ones you contact that will drive you nuts.
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Old 10-31-2012, 07:03 PM   #12
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We have State Farm on 2 cars and a boat. State Farm TT recreational vehicle insurance is just under $200 a year. Liability coverage, medical payments coverage, uninsured & underinsured motor vehicle coverage, & physical damage coverage. DH didn't look around or even really ask about it - just called our agent and said " we just bought this."
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Old 10-31-2012, 10:17 PM   #13
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We went with Safeco and they were from AAA Carolinas. We let AAA do the shopping and they hooked us up. Adding our 2010 Fuzion and dropping a Jeep, we saved $600 a year! Call about adding to policy.
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Old 10-31-2012, 10:36 PM   #14
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Quote:
Originally Posted by CowboyUpFord View Post
We are in Oregon and are wondering how others are insuring their RV. We were going to insure ours for one day so we could drive it home but the insurance companies we have talked to say they don't insure for one day and then tell us it will cost over $600 for a full year or $135 a year for storage liability. This doesn't sound right.
Our DSDP is 10 years old and we pay about $1200 a year for it. We do have full original cost loss on it though.
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