TT Insurance

[GrumpyG]

RV insurance is a real crap shoot. I recently made a deal on a Passport 23RB, then checked around for insurance. I got a quote from a company called Blue Sky, then Progressive. They were both around $500 a year for pretty standard coverage.

My regular insurance company is Farm Bureau, and I didn't think they insured travel trailers. Well, I was wrong. I checked with my agent and he came back with a comparable quote of $62 every 6 months.

How strange is that?

[JRTJH]

It's not "strange" at all. Read the policy you've been offered. You will probably find a number of "gaps" in coverage. Remember that an RV is not the same as a truck or car and coverage is quite different also. There are no household items, TV's, beds, furniture, clothing, pots and pans, or similar items included in the coverage from most "car insurance" companies. Additionally, if you have your home and auto coverage with that agent, you may be getting some significant discounts on the premium price. You'd get similar discounts with most insurance companies for "multiple policy coverage".

As long as you're getting "similar coverage" for a significantly reduced price, it's probably a good deal, but you are likely to find that when you "really compare" all you're getting is a "skeleton policy" that doesn't include the coverage from Good Sam or Progressive.

[GaryWT]

I go through an agent and she always has the truck and trailer linked so that there is some savings. We also have the house and 2 other cars through the same company so there are discounts. She knows what the bank requires to protect their investment so I go with that. I think this past year it was around $160.

[GrumpyG]

My agent pointed out that getting personal property coverage on my TT was unnecessary because between my home owner coverage and auto coverage, personal property was already covered. I guess things like that vary from policy to policy. I'm just glad I checked with him.

[Ken / Claudia]

Read thru the policy closely to make sure it is what you expect. Here's some of what I found. RV sitting at home maybe covered under homeowners policy. Than whats that, glass breaking, theft? water damage unlikely but, maybe. Pull it with your truck may come under it's own policy or added onto the TV policy. If added to the TV policy again what is covered, water, propane systems maybe not. Someone hits it or you crash likely covered. Just check it out good and make sure it is what you need or want. Current TT is financed and needs it's stand alone policy. Last RV, truck camper value was near same as TT and was OK under home ins until mounted onto the ruck, than covered under a add on truck policy.

[therink]

I recently sat down with my agent to do a thorough audit of our auto, rv and homeowners policies.
Our premium for mandatory rv comprehensive coverage is around $300/yr. This only covers damage to the rv while traveling. I found that our existing home owners policy covers damage and liability while parked at home or at a campground. I asked these specific questions.
It was explained to me that if a tree falls on my rv while parked on private property (campground), or if my rv causes damage or injury to others, my homeowners policy covers it. Sounds strange but my agent was very clear about that. I Park the rv at a seasonal site half the year so my qquestions were very specific.
If my rv is damaged say by backing into a tree, the rv ccomprehensive policy covers that.

[sourdough]

As has been mentioned look very closely at the coverages offered on RV specific insurance vs an "add on" policy. I found big discrepancies.

For the OP; I would shy away from Farmer's if it were me. Read up on the fines they are facing in TX. My son in Dallas, who has endured severe storms in his home for the last 2 years, finally had the roof start leaking after a heavy hailstorm. He filed with Farmer's and they refuse to replace or repair the roof. Sent 2 adjusters; neither got on the roof, just looked at it from the ground and said they didn't cover it. The roof is 6 years old and was inspected by a qualified home inspector 2 years ago. The roofing contractor my son contacted looked at it (got up there) and told him the hail beat it to death - there was no way Farmer's could deny that......but they did....twice (of course they've yet to get up there and "look" at it). Just a word of caution.

[GrumpyG]

Originally Posted by sourdough

As has been mentioned look very closely at the coverages offered on RV specific insurance vs an "add on" policy. I found big discrepancies.

For the OP; I would shy away from Farmer's if it were me. Read up on the fines they are facing in TX. My son in Dallas, who has endured severe storms in his home for the last 2 years, finally had the roof start leaking after a heavy hailstorm. He filed with Farmer's and they refuse to replace or repair the roof. Sent 2 adjusters; neither got on the roof, just looked at it from the ground and said they didn't cover it. The roof is 6 years old and was inspected by a qualified home inspector 2 years ago. The roofing contractor my son contacted looked at it (got up there) and told him the hail beat it to death - there was no way Farmer's could deny that......but they did....twice (of course they've yet to get up there and "look" at it). Just a word of caution.

It is confusing, but my company is Farm Bureau of TN, not the same as Farmer's. They have be excellent for almost 10 years now.