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Old 05-10-2017, 07:40 PM   #11
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And I have had full replacement since 2008. I asked the agent about it recently because of issues some on the forum have had, and I was told if my trailer disappeared or was totaled, they would replace it with a 2017 17B similarly equipped.

If you store your trailer in downtown Detroit, you probably won't qualify.
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Old 05-10-2017, 07:59 PM   #12
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Originally Posted by gbaglo View Post
And I have had full replacement since 2008. I asked the agent about it recently because of issues some on the forum have had, and I was told if my trailer disappeared or was totaled, they would replace it with a 2017 17B similarly equipped.

If you store your trailer in downtown Detroit, you probably won't qualify.
What insurance company? I'll move over...
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Old 05-10-2017, 08:06 PM   #13
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What insurance company? I'll move over...
I doubt that AVIVA operates in the US. I pay another hundred on top of that for tag and basic liability.
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Old 05-10-2017, 08:36 PM   #14
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I doubt that AVIVA operates in the US. I pay another hundred on top of that for tag and basic liability.
Aviva is who I use too. Highly recommended.
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Old 05-10-2017, 08:37 PM   #15
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Glenn,
Why do you have earthquake insurance? Is your area prone to quakes?
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Old 05-10-2017, 08:39 PM   #16
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The whole west coast of North America is waiting for the big one.
I don't recall asking for it though. Like that I have overland flood too, which didn't used to be available in Canada.
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Old 05-10-2017, 08:44 PM   #17
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Old 05-10-2017, 08:55 PM   #18
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And, now I have it.
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Old 05-10-2017, 08:56 PM   #19
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I think Progressive will give full replacement for 5 years only starting with a new trailer. I don't think they willl do that on a 1 year old trailer.
I purchased the Progressive insurance on my new 5.0 with the 5 year replacement clause. However, my agent explained that the replacement value was only up to what I originally paid for the trailer. If the price of a replacement exceeded what I paid, I would be responsible for the difference and pay the deductible. The cost of this replacement coverage was about double the cost without it. I opted to purchase it anyway.
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Old 05-10-2017, 09:13 PM   #20
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I purchased the Progressive insurance on my new 5.0 with the 5 year replacement clause. However, my agent explained that the replacement value was only up to what I originally paid for the trailer. If the price of a replacement exceeded what I paid, I would be responsible for the difference and pay the deductible. The cost of this replacement coverage was about double the cost without it. I opted to purchase it anyway.
That is not full replacement value as I understand it. They are selling you something else. Full replacement value will give you a new trailer in the year in which it is totaled and you would not pay anything for that. If you total a 2017 trailer in 2020, you would be given a new 2020 trailer with everything that you had on yours from the factory in 2017. Maybe Progressive does not actually have full replacement value. Or the agent you have is not familiar with it.

EDIT:

I see that Progressive does have it. They call it "full total loss replacement" but from what you say, you have not been sold that but something else. You might want to go into that again and get that fixed.
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