Insurance on a 15A? (Washington state) - Escape Trailer Owners Community

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Old 10-04-2016, 02:45 PM   #1
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Insurance on a 15A? (Washington state)

Headed for the DOL today for plates. No problem getting the import form on the way through customs or with towing without plates home (it wasn't that far).

I need to set up insurance which I will probably do through State Farm. Not sure what to put for value- can't do replacement value necessarily though if something happened that's what I'd want. With my Campster I found as close as I could to comparables but they were all over the map. Nothing current for a 15A. I'll talk to the agent and see what I can do and what they need but would be grateful for any suggestions.


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Old 10-04-2016, 03:56 PM   #2
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When I insured my 15A back in 2013, I just gave my agent (Safeco) the VIN number and what I paid for it. I haven't given any date or been asked for any data since then. Premium...about $250 per year.
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Old 10-04-2016, 04:06 PM   #3
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Thanks, Karen. That's probably what I'll do, too, even though I know the odds of replacing it wouldn't be good.
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Old 10-04-2016, 05:34 PM   #4
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Thanks, Karen. That's probably what I'll do, too, even though I know the odds of replacing it wouldn't be good.
Auto Club just photocopied our bill of sale (and customs forms). Bill of sale is the final version of the build sheet, so it lists all the options and specials we ordered, and it had the VIN, and it had the amount paid in Canadian and in US funds. In fact, we did that before we took the trip up to pick up the Escape, so we had insurance coverage from initial hitch up, 3 weeks before we ever visited the Calif. DMV. (Calif. rules: w/in 20 days of vehicle entry into state, it must be registered).
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Old 10-04-2016, 05:51 PM   #5
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It's easy to insure for full value if it is a) new and b) replaceable. Though I can probably use current purchase price- I did that with the Campster when "new" (i.e., only 38 years old) and then got comps when I moved to Washington (twice the coverage, half the cost for insurance compared to California.)
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Old 10-04-2016, 08:39 PM   #6
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Good Sams has a policy that will buy you a new trailer with the same equipment for the first five years after mfg. if the trailer is a total loss. After 5 years they will give you what you paid for the trailer. It's higher than a normal policy but takes out the issue of what the trailer is worth. Ins. policies are state specific in the US and may not be available in all states.
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Old 10-04-2016, 09:24 PM   #7
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Headed for the DOL today for plates. No problem getting the import form on the way through customs or with towing without plates home (it wasn't that far).
Bobbie
HI Bobbie,
Just curious are you saying you took your own trailer through customs or I am just miss reading your statement here ? I have always wondered how hard it would be to inport you own trailer into the USA.
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Old 10-04-2016, 09:25 PM   #8
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I have State Farm and they insured it for my cost with a lower cost rating for comprehensive coverage because fiberglass is less prone to road and hail damage versus Airstreams.Mine was around $300/year with $100 deductible.
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Old 10-04-2016, 09:47 PM   #9
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HI Bobbie,
Just curious are you saying you took your own trailer through customs or I am just miss reading your statement here ? I have always wondered how hard it would be to inport you own trailer into the USA.
Yes- I bought it used so didn't have any other option. It wasn't a big deal. I looked up what paperwork would be needed- basically a bill of sale, and a preliminary import form. Then at the border the initial agent verified the VIN number and then sent me off to the side, to park and go inside. There they looked over my paperwork and then typed up an import form (which is one of the things you need to get it registered here.) It didn't take very long. I had a copy of the DOT sticker but they could also have verified that, they did not inspect the trailer at all. (It was empty, the same as when a new one is imported.)

I still have to pay state tax on it when I register it but there was no import tax since it was made in Canada.
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Old 10-04-2016, 09:48 PM   #10
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I have State Farm and they insured it for my cost with a lower cost rating for comprehensive coverage because fiberglass is less prone to road and hail damage versus Airstreams.Mine was around $300/year with $100 deductible.
Sounds good except it is already five years old.

Weird, that's not where I wanted this reply to go- it was to elongest. What I said here was, That's probably what I'll do.
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