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Old 03-12-2015, 01:55 PM   #21
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I insure home and vehicles with State Farm. In 2012 State Farm started giving a discount for recreational trailers if the sides and roof are "constructed from qualifying non-metal materials." I don't know if State Farm was a leader or was following the lead of other insurance companies. The discount applies to the Physical Damage Coverage premium and amounted to about 20% on my 2008 Scamp.

When I recently insured the new Escape 21 the agent indicated that the discount was quite a bit more than 20%. The now common lightweight trailers made with metal frames and laminated foam must be a lot more expensive to repair than fiberglass. It might be profitable for Escape owners to make sure their insurance agent knows that their trailers are made of fiberglass.

Eric
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Old 03-12-2015, 03:34 PM   #22
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Good to know, I just contacted my State Farm and according to their underwriters this discount applies to high hail storm areas, of which Pennsylvania is not!! But this maybe helpful to those who are located in such areas.
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Old 03-12-2015, 03:45 PM   #23
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Common RV trailers "made with metal frames and laminated foam" can have outer layers of various material, including fiberglass sheet. I wouldn't be surprised if fiberglass-clad conventional trailers count as having "qualifying non-metal materials", too.

Good news for Escape owners, anyway.
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Old 03-12-2015, 04:25 PM   #24
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Speaking of insurance, does anyone has suggestions about this? Progressive gave me quote around 41 per month, see Good Sams has a program to.

Any suggestions? Things to look for?

Thanks!
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Old 03-12-2015, 04:41 PM   #25
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Just insured my 16` scamp for $216.00 a year. $17,500.00 + $2000.00 for items. Through Nationwide Ins. You have a higher value so it is about right. Carl
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Old 03-12-2015, 05:20 PM   #26
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Originally Posted by 56reader View Post
Speaking of insurance, does anyone has suggestions about this? Progressive gave me quote around 41 per month, see Good Sams has a program to.

Any suggestions? Things to look for?

Thanks!
We went through Good Sam - they use Progressive. With full replacement cost coverage and internal content coverage ours was about the same as you mentioned -- $40 per month.

I would think any RV policy from a reputable carrier is fine. I wanted to make sure we could get the trailer replaced with a new one comparably equipped, and also I wanted the internal contents covered. If something were to happen to the trailer, They will calculate the coverage by going to Escape and asking them for a quote on a brand new one with the same options list. Whatever they quote would be the payout, plus the value of internal contents we declare.
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Old 03-12-2015, 05:25 PM   #27
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Speaking of insurance, does anyone has suggestions about this? Progressive gave me quote around 41 per month, see Good Sams has a program to.

Any suggestions? Things to look for?

Thanks!
We insured our 21 with National General Ins (through Good Sam). Cost last summer was $594 per year. Deductibles are $1000 each for collision and comprehensive. As newbies we took the path of least resistance and may well be overpaying. There's a Harley-riding CPA who lives about 30 miles North of us who can probably advise better. Good luck.

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Old 03-12-2015, 05:55 PM   #28
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Where you live and even your credit score will affect your insurance rate.
My insurance company asked where the trailer will be stored ( at my home ).
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Old 03-12-2015, 05:59 PM   #29
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Where you live and even your credit score will affect your insurance rate.
My insurance company asked where the trailer will be stored ( at my home ).
Very true Glenn. In our case, the rate was lower because we plan to store the trailer in a bonded storage yard instead of at our home.
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Old 03-12-2015, 08:36 PM   #30
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We went through Good Sam - they use Progressive. With full replacement cost coverage and internal content coverage ours was about the same as you mentioned -- $40 per month.

I would think any RV policy from a reputable carrier is fine. I wanted to make sure we could get the trailer replaced with a new one comparably equipped, and also I wanted the internal contents covered. If something were to happen to the trailer, They will calculate the coverage by going to Escape and asking them for a quote on a brand new one with the same options list. Whatever they quote would be the payout, plus the value of internal contents we declare.
Actually our insurance agent said to go to Progessive or like because State Farm our vehicle coverage for over 30 years even for a new trailer would not give you replacement coverage if something were to happen . They will give you this coverage for the first 5 years with a lower premium every year . You will get a new trailer whatever they cost at that time with what you had . After that will see . We are paying about 35 a month with deductibles of 250 this year . It did go done as promised .
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