Insurance for a travel Trailer

[Outback KR]

Good afternoon everyone, I have one question. For my Outback 2016 can someone recommend a insurance company other that Allstate. I feel like I'm paying to much at $153 a month for 3 slide out. I live in it full time. My back wants me to have full coverage do I need that if it stays in one spot?

 

[Notanlines]

We’ve had Geico for 20 years. Flawless.

 

[asr524]

Insurance will vary greatly based on may factors: location, MSRP, driving history, multi policy discounts and sometimes your credit score.



Best bet is to contact some agents in your area for quotes and compare coverage and deductibles for apples to apples comparisons.

 

[NH_Bulldog]

$153 is a great price for full time use.

There is a difference in insurance rates depending on whether you use it for recreation or full time living, with full time living being more costly especially if the camper (like an Outback) is not designed, intended or rated for full time living.

It is not as simple as fudging the truth, because insuring for full time use may cover contents and alternative housing in the event of a loss, where that would be limited or non-existent in a recreational use of the trailer. Also, if the insurance company determines that you lied on the policy application (material misrepresentation), they can rescind the policy back to the date of inception in the event of a loss and leave you with NOTHING.

If you have a loan, the bank gave you the money based on the value of the trailer. They can only compel you to insure it for up to the amount of their financial interest in the property. You cannot get full replacement cost insurance coverage for a 2016 trailer anyway, so you might want to have a conversation with them about what you really need to have.

Try Roamy, or Good Sam, or FMCA - Family Motor Coach Association (now called FRVA - Family RV Association).

 

[wiredgeorge]

Not sure how anyone can tell you which company to use; each has different pricing for different states. $153 MIGHT be good or might be terrible based on location and other factors. Only way to know if your insurance is a decent price is to get your policy out and call different companies and use the same data for a quote with each. I have Progressive and they have treated me fairly in the past when making a claim which I consider more important than just price alone. We have Hartford on our vehicles through AARP and they have also treated us fine when my wife has had an accident. i had my camper insured through my truck insurance but it wasn't comfortable so went back with Progressive (also have my trike insured with them).

 

[Lost my beer]

Very good service and rates with Progressive on my RVs and boats. You only know how good a company is when u file a claim. I had a lightening strike on my DP ($53,000 claim) and they were amazing to work with. And, rates did not increase the 2 years since that happened. I won’t use any other company for my RVs and boats.

 

[Rhagfo]

We full time and cover our trailer with Foremost insurance, part of Farmers general insurance.
It is basically homeowners insurance for your trailer.

 

[Peto]

Mine is a part of my bundle with Nation Wide. Never needed it so can't comment on service.

 

[NH_Bulldog]

Mine is a part of my bundle with Nation Wide. Never needed it so can't comment on service.

I have Nationwide as well, and did use them when someone whacked my Passport in storage a few years ago. It was a quick and easy process, and they compensated me well enough to get everything fixed to pre-loss condition. My premium increased a bit when I bought my new Cougar , which is understandable given the difference in cost between the two trailers, but is still VERY reasonable compared to other quotes when I re-shopped my policy last year. I ended up keeping everything with Nationwide.

 

[Rhagfo]

Good afternoon everyone, I have one question. For my Outback 2016 can someone recommend a insurance company other that Allstate. I feel like I'm paying to much at $153 a month for 3 slide out. I live in it full time. My back wants me to have full coverage do I need that if it stays in one spot?

I will assume that you don’t currently own a house, or rent, so the trailer is your only residence.
That said insurance for an RV used as a primary residence is looked at much differently than one used as a secondary residence.
We full time and insure with Foremost for the trailer, much like a homeowner policy, and our rate is much lower than what you stated.

 

[terrythetech]

I saved a bunch on my stationary Cougar. Ask your agent for a mobile home insurance quote. Tell them you're not taking it on the road anymore.

 

[DutchmenSport]

We are with AllState and have everything insured though them.

We do have a house and pay for a separate policy there.

And we have the automobile policies with the Montana Fifth Wheel as a rider on it. The cost for the fifth wheel is $402.73 every 6 months, or $805.56 a year, or 67.13 a month.

BUT: we have 2 pick-up trucks insured, (the dually and a Chevy Colorado) also, and all are full coverage insured for everything and anything.... total cost $2212.87 every 6 months (or $4425.74 a year) ... YIKES!

Now, we are NOT declared "full timers" and we still own our house.

But, between the house and car / camper insurance we are covered for all of the following:

While towing the trailer:
Anything that happens to the trailer or if the trailer is the cause of someone else's damage, if it's my fault or the other guy. (uninsured motorist also).

When not towing:
Anything that happens (or damages) to the trailer, if it be my fault or a fault of nature. (flooding, tree falling, tornado, fire, theft, vandalism, or my own negligence)

(it does not cover normal wear and tear, like broken slide cables or worn tires, or outdated propane tanks).

There is one more area of coverage that we have, because we have a house. We have personal liability insurance also... (with the house insurance) ....

What that covers is: If our dog bites someone; and if someone has an accident at our campsite or inside the camper and it can be determined their accident was a result of something I was negligent in doing (not the campgrounds fault). And personal items against theft. For example, if someone stole this lap-top computer I'm typing from right now, at home, in the camper, or in the car, it's covered for replacement. Anything in the camper that could be stolen is covered under the home-owners. It's not part of the trailer coverage.

We also have the vanishing deductible, which at current is a zero deductible.

Of course, "insurance" of any type is a gamble. The insurance company is gambling you won't need a pay-out, and you are gambling sometime you will. We've used insurance for any campers we've owned, only once, and that more than 25 years ago. But, I don't feel bad about paying for it all these years and never having to make a claim. It takes only 1 time and your entire life can be undone if you don't have insurance.

 

[HeadHam]

Good afternoon everyone, I have one question. For my Outback 2016 can someone recommend a insurance company other that Allstate. I feel like I'm paying to much at $153 a month for 3 slide out. I live in it full time. My back wants me to have full coverage do I need that if it stays in one spot?

Also use Geico. No problem with an awning claim, just sent photos, they sent a check.

 

[Ddaddyo]

We're on a permanent campsite at a Lake. We use it April through October. Insurance is $220 per year, for actual Cash Value Replacement. It's Bundeled with Home and Vehicles. When it was financed they wanted collision insurance until I explained it didn't move.

 

[Gamma]

Not sure how old you are be we have AARP underwritten by The Hartford and it’s very affordable. Might want to check into it.

 

[phillipank]

Good afternoon everyone, I have one question. For my Outback 2016 can someone recommend a insurance company other that Allstate. I feel like I'm paying to much at $153 a month for 3 slide out. I live in it full time. My back wants me to have full coverage do I need that if it stays in one spot?

I've had Progressive for the 3 years I've owned my Cougar. I pay about 1/3 of what you posted, but every quote will vary according to several factors as mentioned. May be worth checking them out for comparison. Just had a claim for a new roof and they were spectacular; no rate increases yet.

 

[Rayco]

We just upgraded our fifth wheel. We've always used State Farm in the past since that's what we had on our house and vehicles. Going through Good Sam I got quotes from Progressive, National General and 2 other companies. All were less expensive and better coverage than I was getting through State Farm and I liked that fact that if I make a claim it isn't going to affect my auto or home coverage. So, I'll recommend checking with Good Sam as well as the other reco's you've received here.

 

[{Tpc}]

I pay right around $300/yr with progressive.