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Old 06-28-2012, 08:24 PM   #1
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Insurance

Learned something interesting today ( but maybe everyone else already knows this ) If one buys insurance for a travel trailer ( value approx. $22,000.) connected to ones auto insurance it is more expensive than if ones buys it connected to ones home insurance . In our case it would be $358. for a year with the auto policy .... $178. for a year on the home policy . Both includes collision, vandalism , fire/hail and both are with the same company ..... HUH ........ reason is supposedly that the home " policy ' recognizes that there are very few claims for rvs ??
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Old 06-28-2012, 08:37 PM   #2
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Re: Insurance

possibly they think the rv is being used as a second home and not being towed behind the car for 1000's of miles? I'll have to ask my insurance agent the same.
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Old 06-28-2012, 09:12 PM   #3
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Re: Insurance

The coverage in both cases is collision/hail/fire/vandalism regardless of where the trailer is located , on the road / campground /parking lot or streetside ........
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Old 06-28-2012, 09:26 PM   #4
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Re: Insurance

It matters where you keep the trailer when it is not in use.

You pay less if you keep it at your home. My trailer insurance isn't connected to my car insurance, but that was a key question I was asked. Where does it reside?

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Old 06-29-2012, 12:47 PM   #5
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Re: Insurance

My insurance is the same no matter where it is stored. Could be some carriers care, and others don't. It is in my driveway from Easter to Thanksgiving, but stored alongside a rental garage the rest of the year.
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Old 06-30-2012, 09:24 PM   #6
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Re: Insurance

Since I just renewed and have my papers right here, some numbers for comparison:

I have deluxe coverage ( regular ).
Guaranteed replacement cost ( $250 deductible )
Detached private structures ( $5,000 )
Personal property ( $5,000 )
Emergency vacation expense ( $200/day, $2,000 max )

And, this year it cost me $207.00

It's AVIVA Elite through HUB International

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Old 06-30-2012, 10:15 PM   #7
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Re: Insurance

Actually, another potential factor to if it is connected to home or auto is:

When we bought our first house, the insurance was half what we were paying for tenants' insurance in a basement suite.
I think it all comes down to their assessment of the risk. And, home owner carries less risk.

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Old 06-23-2014, 05:34 PM   #8
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Quote:
Originally Posted by gbaglo View Post
Since I just renewed and have my papers right here, some numbers for comparison:

I have deluxe coverage ( regular ).
Guaranteed replacement cost ( $250 deductible )
Detached private structures ( $5,000 )
Personal property ( $5,000 )
Emergency vacation expense ( $200/day, $2,000 max )

And, this year it cost me $228.00

It's AVIVA Elite through HUB International

baglo
And I double checked. Should my trailer be written off or stolen, it would be replaced with a 2014 Escape 17B. Next year, a 2015.
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Old 06-23-2014, 05:43 PM   #9
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I checked with several insurance companies (Allstate, State Farm, etc.) and all of them told me that in order to insure the trailer, I had to also insure the tow vehicle with them. (We have State Farm for just about everything so I ended up using them.)
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Old 06-24-2014, 06:42 AM   #10
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We just received our VIN from ETI yesterday, so this is a timely thread. In neither this thread nor the other two "insurance" threads (under Paper Escape) is there any mention of Good Sam. Is there anyone who can advise about their coverage? We have AAA for house, vehicles, etc.

Regarding roadside assistance, we're concluding that -- based on yet another thread -- that GS is superior to other roadside assistance insurances. Would anyone advise differently?
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