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Old 07-17-2015, 08:35 PM   #41
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Originally Posted by gbaglo View Post
I find the insurance threads akin to the "can I tow" threads. Lots of partial information that leads nowhere in the end.
Before posting what you pay, you need to post exactly what your coverage is.
"Full coverage" with a $20,000 deductible (for instance ) is no bargain, no matter how cheap.
My insurance includes trip interruption ( pays for hotels etc ), covers $5,000 in personal effects and is guaranteed replacement with a low deductible.
Should also note that how much you pay may also be dependent on your credit rating and where you live.
+1, Glenn. Unless the person lives next door to you (or more appropriately stores their trailer next door to you, It is very difficult to compare insurance coverage.
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Old 07-17-2015, 10:34 PM   #42
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Mine is full replacement of similar new, $500 deductible, It also covers roadside service and theft of the trailer and/or the contents.
full replacement coverage with a 250 deductible .roadside assistance . fire , theft and 2000 for personal contents full replacement cost. Deductible premiums lower every year .I get a discount for paying premium in full each year also,Mexico coverage, vacation liability 25,000 total collision comprehensive , replacement cost and emergency expenses , I will get a brand new trailer with everything I have on it no matter the new cost . Pat
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Old 07-17-2015, 10:35 PM   #43
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full replacement coverage with a 250 deductible .roadside assistance . fire , theft and 2000 for personal contents full replacement cost. Deductible premiums lower every year .I get a discount for paying premium in full each year also,Mexico coverage, vacation liability 25,000 total collision comprehensive , replacement cost and emergency expenses , I will get a brand new trailer with everything I have on it no matter the new cost . Pat
my premium was 307.75 this year Pat
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Old 07-17-2015, 10:37 PM   #44
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Excellent coverage and a good premium.
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Old 07-17-2015, 11:09 PM   #45
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Excellent coverage and a good premium.
I think this is for me thankyou . Pat
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Old 07-17-2015, 11:11 PM   #46
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Old 07-17-2015, 11:25 PM   #47
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Pat, I think I'll have to check this out. Also I would like to give USAA a shot at all of my other insurance. Especially on my home owners as I'm feeling like I,m being stiffed. They say if you have been with a company for a long time, they know you are not likely to switch so they raise your premiums each year. I am beginning to feel like that is the case here. What angered me today is that State Farm would not offer a discount for multiple policies. And I had to vent. Loren
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Old 07-18-2015, 09:28 AM   #48
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We had USAA for everything and was mostly happy with the service. When we went to add our new 5.0TA to the policy, I felt the quote was way to high. Ended up stopping at the local independent agent and moved all of our insurance over to Safeco, saving a considerable amount of money on all of our policies. And that included adding an umbrella policy.
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Old 07-18-2015, 10:48 AM   #49
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Your criticisms are valid Glenn. Way too many factors to compare apples to apples.

Ours:
Full replacement cost coverage for 5 years
Internal contents replacement up to $7500
Trip interruption insurance pays up to $250 a day
Roadside assistance
$500 deductible

All that being said, it's San Antonio, which is notorious for having much higher rates for anything you insure, but especially a vehicle. Try getting $100 a year insurance here. Not going to happen.
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