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02-12-2019, 10:30 AM
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#1
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Senior Member
Join Date: Jun 2010
Location: Central, Pennsylvania
Trailer: Escape#5 2022 E19
Posts: 26,268
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Insurance on new Escape
After hearing the bad news about the small window issue, I finally received some good news today. I contacted Hartford AARP Insurance for a quote on the new E21. Since it will be used for recreational reasons and kept at home, wait for it............
$98/year, added to my automobile policy. Things are looking a little brighter today.
__________________
Jim
Sometime life gets in the way of living.......
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02-12-2019, 11:07 AM
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#2
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Senior Member
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,136
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And, what do you get for $98? What's the deductible? Is it full replacement insurance? How much liability insurance do you have? Covered for loss of use?
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
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02-12-2019, 11:27 AM
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#3
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Senior Member
Join Date: Jun 2018
Location: Tehachapi, California
Trailer: none
Posts: 515
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Quote:
Originally Posted by gbaglo
And, what do you get for $98? What's the deductible? Is it full replacement insurance? How much liability insurance do you have? Covered for loss of use?
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Towing?
__________________
Greg
Formerly owned a 2007 24' HiLo/ 2003 Tahoe combo. Interested in the 5.0TA
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02-12-2019, 11:35 AM
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#4
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Senior Member
Join Date: Jun 2010
Location: Central, Pennsylvania
Trailer: Escape#5 2022 E19
Posts: 26,268
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Quote:
Originally Posted by gbaglo
And, what do you get for $98? What's the deductible? Is it full replacement insurance? How much liability insurance do you have? Covered for loss of use?
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In Pennsylvania it is part of your automobile policy, same limits for comprehensive and collision and theft. No additional liability needed as it is not motorized, but your auto policy covers the liability which is 250/500/k with an additional umbrella.Rental of rv included. On edit, we already pay close to $1700/year for vehicles.
__________________
Jim
Sometime life gets in the way of living.......
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02-12-2019, 11:36 AM
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#5
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Senior Member
Join Date: Jun 2010
Location: Central, Pennsylvania
Trailer: Escape#5 2022 E19
Posts: 26,268
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Quote:
Originally Posted by Hilola
Towing?
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We have Good Sam for towing, cars and rv. I believe it is $110/year for all vehicles owned.
__________________
Jim
Sometime life gets in the way of living.......
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02-12-2019, 11:38 AM
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#6
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Senior Member
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,136
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I have $3 million liability on the trailer and $5 million on the vehicle ( separate policies ). Seems $500,000 would cover aspirin in the US.
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
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02-23-2019, 10:31 AM
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#7
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Member
Join Date: Oct 2018
Location: Fort Worth, Texas
Trailer: 2019 Oliver Elite II
Posts: 87
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Personally I don't understand this quote, something is not right here, I just don't see a $30,000 travel trailer insured for $100 per year, and I'm talking comprehensive, collision, etc. Yes in most states the liability is only when the trailer is being towed, when parked it is not covered for a liability claim, plus I never heard of the trailer collision and comprehensive being part of the automobile policy. As far as I know everything has to have a stand alone policy to be covered, that is autos, boats, travel trailers, motor homes, motorcycles, jet skies, snow mobiles, etc. I would look into this a little farther just for your protection.
trainman
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02-23-2019, 11:14 AM
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#8
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Senior Member
Join Date: Sep 2009
Location: Southwick, Massachusetts
Trailer: None, sold my 2014 5.0TA
Posts: 7,124
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Just looked at mine, the form says collision and comp are Actual Cash Value, as opposed to replacement value. Says None for everything else, liability and such. From Amica here in Massachusetts, $200, $1000 deductible.
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Happy Motoring
Bob
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02-24-2019, 07:08 AM
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#9
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Senior Member
Join Date: Aug 2017
Location: NKY, Kentucky
Trailer: , Bigfoot 25B25RT, previously 2019 Escape 21, and Castia sd17
Posts: 201
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Quote:
Originally Posted by trainman
Personally I don't understand this quote, something is not right here, I just don't see a $30,000 travel trailer insured for $100 per year, and I'm talking comprehensive, collision, etc. Yes in most states the liability is only when the trailer is being towed, when parked it is not covered for a liability claim, plus I never heard of the trailer collision and comprehensive being part of the automobile policy. As far as I know everything has to have a stand alone policy to be covered, that is autos, boats, travel trailers, motor homes, motorcycles, jet skies, snow mobiles, etc. I would look into this a little farther just for your protection.
trainman
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Traiman,
On my old Casita I had replacement value of $10,000 through Progressive, which cost about $275.00 a year. Last year I contacted my auto and home Insurer Cincinnati Ins, cost of the Casita, $63.00 a year. On my new Escape the cost is $90.00 a year. They told me similar to Jim that I am insuring for fire and theft. When the camper is being pulled by my truck, insurance is from the truck. I have agreed value insurance on the new Escape.
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02-25-2019, 03:19 AM
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#10
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Member
Join Date: Oct 2018
Location: Fort Worth, Texas
Trailer: 2019 Oliver Elite II
Posts: 87
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Quote:
Originally Posted by buellfire
Traiman,
On my old Casita I had replacement value of $10,000 through Progressive, which cost about $275.00 a year. Last year I contacted my auto and home Insurer Cincinnati Ins, cost of the Casita, $63.00 a year. On my new Escape the cost is $90.00 a year. They told me similar to Jim that I am insuring for fire and theft. When the camper is being pulled by my truck, insurance is from the truck. I have agreed value insurance on the new Escape.
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From what you say in your post is that you have no collision on your trailer, yes your trailer would have liability when being towed by your vehicle, but liability is not collision. I would ask for a better description from your agent on what you really have and what coverages are actually in place.
trainman
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02-25-2019, 05:46 AM
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#11
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Senior Member
Join Date: Jun 2010
Location: Central, Pennsylvania
Trailer: Escape#5 2022 E19
Posts: 26,268
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What we are saying is the premiums paid is for comprehensive and collision coverage, the liability portion coverage for the trailer is extended from the truck/auto when we are hooked and towing.
Sitting still, unhooked, no liability, just comp/collision/24/7/365.
__________________
Jim
Sometime life gets in the way of living.......
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02-25-2019, 10:01 AM
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#12
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Senior Member
Join Date: Oct 2013
Location: Phoenix, Arizona
Trailer: 2015 Escape 19 "Seventy Degrees"
Posts: 3,495
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Jim,
That’s exactly how USAA does the coverage on ours.
When towing, the trailer has exact coverage of the tow vehicle, and when unhooked it has its own comp/collision.
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