Insurance on RV and Toad Vehicle

[dux98]

We just bought our first Motorhome and insured it through Good Sam. We also purchased Roadside Assistance through Good Sam. Our house and cars are all insured through State Farm. We bought the insurance through Good Sam because we were told it would cover the RV better than State Farm. Now I am curious...about insuring a vehicle to tow behind the RV. Will there be any complications if we have an accident that involves both the RV and the towed vehicle?

[okie143]

In my state, Oklahoma, my collision insurance on the MH covers the tow vehicle in accidents.

However, my comprehensive doesn't.

Also is your Good Sam an extended warranty or comp/collision insurance? Roadside assistance is different than comp/collision as you may know.

Not trying to insult you or anything just trying to insure the difference.

[Mike and Cha]

We have everything insured though State Farm, plus a million dollar umbrella policy covering everything we own. I have had State Farm for about 44 years and have been happy with them. When we bought the MH they gave us a great quote for full coverage including replacement cost, that no other provider came close to. I like having everything insured by one company as there will be no question who is responsible for coverage in the event of an accident or claim.

[okie143]

Great then you should not have any problems. You GS should cover your toad (be sure and read your policy to be sure) and if you get hail damage or broke windshield then you auto insurance would take care of it.

[dux98]

Thanks for your repy okie143. We have comp/collision with Good Sam and also have roadside service with Good Sam.

Thanks Mike and Cha. I have been with State Farm for 35+ years and not had any troubles. I think I went for the sales pitch on going with Good Sam on the insurance and roadsde assistance. This may have been a mistake. We had troubles with the roadside assistance when we had a blow out on our first trip.

[Gary RVRoamer]

You got some poor advice, or perhaps misunderstood the advice, re GS vs State Farm. You want to have an RV-specific policy as opposed to a car policy - the coverages are much different. But State Farm offers RV policies, and you might benefit by having all your copverages with one company. Sometimes they discount, but if nothing else it makes life a bit simpler. Whether State Farm would have a better RV rate than GS (or anybody else) can only be determined by getting a quote on identical coverages.

Your toad is covered by its own insurance, no matter who wrote the policy. Whether under tow or being driven, it makes no difference.

[336muffin]

I agree with Gary, we insured our mh and placed our toad on the same policy. I don't need my insurance fighting with my other insurance per say. We're fulltime and there is no way I want the cheapest insurance for everything I own.

[dux98]

Thanks to all for your responses. We converted our MH coverage to State Farm today, added an umbrella for house MH and cars. Also upgraded some other coverages. We feel more comfortable having it all with State Farm.

[Ramets]

Originally Posted by dux98

Thanks to all for your responses. We converted our MH coverage to State Farm today, added an umbrella for house MH and cars. Also upgraded some other coverages. We feel more comfortable having it all with State Farm.

Good move on your part. The more you read posts here and on other sites, you'll find a lot of people are less than satisfied with GS. Although we don't insure with State Farm, I do shop & compare every year. It could be that one day I'll find that State farm is a better deal than the one I have now.

[Nana25K]

If you own a home, what you are doing is fine. Fulltimers with out an insured residence need a policy that is fulltime specific. It offers liability coverage that would otherwise be covered by your homeowners insurance. State Farm and a few other don't offer this.